Welfare broker

THE LOWERY GROUP

Mailing address (most recent filing)

1307 AIRPORT ROAD N

SUITE 3A

FLOWOOD, MS 39232

Carrier mix

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

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$2.7M	25.0%
GERBER LIFE INSURANCE COMPANY	1	$376K	25.0%
DEARBORN LIFE INSURANCE COMPANY	1	$114K	25.0%
BLUE CROSS OF CALIFORNIA	1	$5.7M	25.0%

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
IL	3	$6.1M	0.1%	21.36x
MS	1	$2.7M	0.2%	62.12x

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 THE LOWERY GROUP's plans by broker comp / premium ratio. Median 6.11% vs welfare-wide median 6.29% (n=4).

Prospect-flag exposure · vs market baseline

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

1-4 of 4 sponsors where THE LOWERY GROUP is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ALLSUP, LLC ALLSUP LLC CAFETERIA BENEFITS PLAN	IL	$5.7M	$308K	BLUECROSS BLUESHIELD OF ILLINOIS
SOUTHEAST MISSISSIPPI RURAL HEALTH INITIATIVE INC SOUTHEAST MISSISSIPPI RURAL HEALTH INITIATIVE INC	MS	$2.7M	$182K	UNITEDHEALTHCARE INSURANCE COMPANY
HOSPICE OF SOUTHERN ILLINOIS, INC. HOSPICE OF SOUTHERN ILLINOIS, INC. - BENEFITS PLAN	IL	$114K	$21K	DEARBORN LIFE INSURANCE COMPANY
WISPER ISP, LLC WISPER ISP, LLC CAFETERIA BENEFIT PLAN	IL	$376K	$18K	GERBER LIFE INSURANCE COMPANY