Welfare broker

THE NICHOLAS GROUP CLEARWATER INC

Mailing address (most recent filing)

36181 EAST LAKE RD, #21

PALM HARBOR, FL 34685

Total comp: $70K
Commissions: $70K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

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

CIGNA HEALTH AND LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$441K	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
FL	1	$441K	0.0%	25.39x

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 NICHOLAS GROUP CLEARWATER INC's plans by broker comp / premium ratio. Median 16.19% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where THE NICHOLAS GROUP CLEARWATER INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
JOY ROCKWELL ENTERPRISES INC. JOY ROCKWELL ENTERPRISES, INC. HEALTH & WELFARE BENEFITS PLAN	FL	$441K	$71K	CIGNA HEALTH AND LIFE INSURANCE COMPANY

Carrier

Plans

Premium

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$441K

100.0%

State

Plans

Premium

State share

Index

$441K

0.0%

25.39x

Sponsor

Loc

Premium

Comp

Carrier

JOY ROCKWELL ENTERPRISES INC.

JOY ROCKWELL ENTERPRISES, INC. HEALTH & WELFARE BENEFITS PLAN

$441K

$71K

CIGNA HEALTH AND LIFE INSURANCE COMPANY