Welfare broker

TIMOTHY E. CUNNINGHAM

Mailing address (most recent filing)

1000 LINDBERG DR.

FLORENCE, SC 29501

Total comp: $21K
Commissions: $21K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

Where TIMOTHY E. CUNNINGHAM places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$250K	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
SC	1	$250K	0.1%	124.51x

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 TIMOTHY E. CUNNINGHAM's plans by broker comp / premium ratio. Median 8.32% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of TIMOTHY E. CUNNINGHAM's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where TIMOTHY E. CUNNINGHAM is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
FLORENCE CONCRETE PRODUCTS, INC. FLORENCE CONCRETE PRODUCTS, INC. HEALTH AND WELFARE PLAN	SC	$250K	$21K	GUARDIAN LIFE INSURANCE COMPANY OF AMERICA