Welfare broker

TOWER INSURANCE CENTER INC

Mailing address (most recent filing)

5050 POPLAR AVE STE 1200

MEMPHIS, TN 38157

Total comp: $11K
Commissions: $11K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

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

PRINCIPAL LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PRINCIPAL LIFE INSURANCE COMPANY	3	$118K	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	3	$118K	0.2%	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 TOWER INSURANCE CENTER INC's plans by broker comp / premium ratio. Median 14.79% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where TOWER INSURANCE CENTER INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
HARDING ACADEMY OF MEMPHIS, INC. HARDING ACADEMY OF MEMPHIS INC FLEXIBLE BENEFIT PLAN	TN	$66K	$8K	PRINCIPAL LIFE INSURANCE COMPANY
HARDING ACADEMY OF MEMPHIS, INC. HARDING ACADEMY OF MEMPHIS GROUP LIFE INSURANCE PLAN	TN	$31K	$5K	PRINCIPAL LIFE INSURANCE COMPANY
HARDING ACADEMY OF MEMPHIS, INC. HARDING ACADEMY OF MEMPHIS GROUP LONG TERM DISABILITY PLAN	TN	$21K	$4K	PRINCIPAL LIFE INSURANCE COMPANY

Carrier

Plans

Premium

PRINCIPAL LIFE INSURANCE COMPANY

$118K

100.0%

State

Plans

Premium

State share

Index

$118K

0.2%

64.91x

Sponsor

Loc

Premium

Comp

Carrier

HARDING ACADEMY OF MEMPHIS, INC.

HARDING ACADEMY OF MEMPHIS INC FLEXIBLE BENEFIT PLAN

$66K

$8K

PRINCIPAL LIFE INSURANCE COMPANY

HARDING ACADEMY OF MEMPHIS, INC.

HARDING ACADEMY OF MEMPHIS GROUP LIFE INSURANCE PLAN

$31K

$5K

PRINCIPAL LIFE INSURANCE COMPANY

HARDING ACADEMY OF MEMPHIS, INC.

HARDING ACADEMY OF MEMPHIS GROUP LONG TERM DISABILITY PLAN

$21K

$4K

PRINCIPAL LIFE INSURANCE COMPANY