Welfare broker

THOMAS CHRISTOPHER SMITH

Mailing address (most recent filing)

PO BOX 40386

798 BERRY ROAD

NASHVILLE, TN 37204

Total comp: $665K
Commissions: $655K
Fees: $9K
Filings: 65
Sponsors: 65

Carrier mix

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

UNUM LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$485K	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
TX	1	$485K	0.0%	16.42x

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 THOMAS CHRISTOPHER SMITH's plans by broker comp / premium ratio. Median 9.53% vs welfare-wide median 6.40% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where THOMAS CHRISTOPHER SMITH is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ZACHRY HOSPITALITY LLC ZACHRY HOSPITALITY HEALTH BENEFITS	TX	$485K	$46K	UNUM LIFE INSURANCE COMPANY OF AMERICA