Welfare broker

TAMMY LOCKHART

Mailing address (most recent filing)

1004 N 4TH

LINCOLN, KS 67455

Total comp: $3K
Commissions: $3K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

Where TAMMY LOCKHART places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

VCP SERVICES, INC.100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
VCP SERVICES, INC.	1	$26K	100.0%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
KS	1	$26K	0.1%	134.67x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of TAMMY LOCKHART's plans by broker comp / premium ratio. Median 10.69% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of TAMMY LOCKHART's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where TAMMY LOCKHART is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
HESS SERVICES, INC. HESS SERVICES, INC. VISION PLAN	KS	$26K	$3K	VCP SERVICES, INC.