Welfare broker

THP INSURANCE COMPANY

Mailing address (most recent filing)

1110 MAIN STREET

WHEELING, WV 26003

Total comp: $579K
Commissions: $0
Fees: $579K
Filings: 3
Sponsors: 3

Carrier mix

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

THP INSURANCE COMPANY66.7%
UNITEDHEALTHCARE INSURANCE COMPANY33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THP INSURANCE COMPANY	2	$3.1M	66.7%
UNITEDHEALTHCARE INSURANCE COMPANY	1	$0	33.3%

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	2	$3.1M	0.0%	18.98x
MD	1	$0	0.1%	23.97x

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 THP INSURANCE COMPANY's plans by broker comp / premium ratio. Median 19.03% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where THP INSURANCE COMPANY is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
BRADFORD SUPPLY COMPANY BRADFORD SUPPLY COMPANY HEALTH PLAN	IL	$1.5M	$431K	THP INSURANCE COMPANY
MERVIS INDUSTRIES, INC MERVIS INDUSTRIES GROUP HEALTH PLAN	IL	$1.6M	$159K	THP INSURANCE COMPANY
L. FISHMAN & SON, INC. L. FISHMAN & SON, INC. EMPLOYEE BENEFIT PLAN	MD	$0	$0	OPTUM MTP

Carrier

Plans

Premium

THP INSURANCE COMPANY

$3.1M

66.7%

UNITEDHEALTHCARE INSURANCE COMPANY

33.3%

State

Plans

Premium

State share

Index

$3.1M

0.0%

18.98x

0.1%

23.97x

Sponsor

Loc

Premium

Comp

Carrier

BRADFORD SUPPLY COMPANY

BRADFORD SUPPLY COMPANY HEALTH PLAN

$1.5M

$431K

THP INSURANCE COMPANY

MERVIS INDUSTRIES, INC

MERVIS INDUSTRIES GROUP HEALTH PLAN

$1.6M

$159K

THP INSURANCE COMPANY

L. FISHMAN & SON, INC.

L. FISHMAN & SON, INC. EMPLOYEE BENEFIT PLAN

OPTUM MTP