Welfare broker

TIDEWATER FINANCIAL GROUP

Mailing address (most recent filing)

1028 LEE ANN DRIVE NORTHEAST

SUITE 305

CONCORD, NC 28025

Total comp: $38K
Commissions: $32K
Fees: $6K
Filings: 3
Sponsors: 3

Carrier mix

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

AMERICAN UNITED LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
AMERICAN UNITED LIFE INSURANCE COMPANY	1	$116K	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
NC	1	$116K	0.0%	47.73x

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 TIDEWATER FINANCIAL GROUP's plans by broker comp / premium ratio. Median 17.70% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where TIDEWATER FINANCIAL GROUP is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
MOSS SUPPLY COMPANY MOSS SUPPLY COMPANY EMPLOYEE BENEFITS PLAN	NC	$116K	$20K	ONE AMERICA