Welfare broker

TWIN RIVERS INSURANCE INC

Mailing address (most recent filing)

730 E STRAWBRIDGE AVE

STE 101

MELBOURNE, FL 32901

Total comp: $37K
Commissions: $24K
Fees: $13K
Filings: 2
Sponsors: 2

Carrier mix

Where TWIN RIVERS INSURANCE INC 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	$140K	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
FL	1	$140K	0.0%	25.39x

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 TWIN RIVERS INSURANCE INC's plans by broker comp / premium ratio. Median 22.52% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where TWIN RIVERS INSURANCE INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
SUNRISE BOAT MARINA INC SUNRISE BOAT MARINA INC	FL	$140K	$32K	CIGNA HEALTH AND LIFE INSURANCE COMPANY