Welfare broker

TORGERSEN CAUSEY

Mailing address (most recent filing)

1403 BELMONT ST

PENSACOLA, FL 32501

Total comp: $429K
Commissions: $429K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

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

USABLE LIFE50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
USABLE LIFE	1	$4.1M	50.0%
BLUE CROSS OF CALIFORNIA	1	$4.1M	50.0%

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
FL	2	$8.2M	0.0%	25.27x

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 TORGERSEN CAUSEY's plans by broker comp / premium ratio. Median 7.82% vs welfare-wide median 6.40% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where TORGERSEN CAUSEY is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
BAPTIST HEALTH CARE BAPTIST HEALTH CARE WELFARE BENEFITS PLAN	FL	$4.1M	$521K	USABLE LIFE
GULF WINDS CREDIT UNION GULF WINDS CREDIT UNION	FL	$4.1M	$124K	BLUE CROSS BLUE SHIELD OF FLORIDA