Welfare broker

THW INSURANCE SERVICES LLC

Mailing address (most recent filing)

321 W MAIN ST

LEBANON, TN 37087

Total comp: $357K
Commissions: $98K
Fees: $259K
Filings: 5
Sponsors: 5

Carrier mix

Where THW INSURANCE SERVICES LLC 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	$4.4M	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
TN	1	$4.4M	0.1%	64.91x

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 THW INSURANCE SERVICES LLC's plans by broker comp / premium ratio. Median 8.53% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where THW INSURANCE SERVICES LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
WILSON BANK & TRUST WILSON BANK & TRUST HEALTH & WELFARE PLAN	TN	$4.4M	$372K	CIGNA HEALTH AND LIFE INSURANCE COMPANY