Welfare broker

UCL FINANCIAL GROUP LLC

Mailing address (most recent filing)

1755 N. KIRBY PKWY STE 300

MEMPHIS, TN 38120

Total comp: $465K
Commissions: $434K
Fees: $31K
Filings: 8
Sponsors: 8

Carrier mix

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

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY	1	$15K	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	1	$15K	0.1%	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 UCL FINANCIAL GROUP LLC's plans by broker comp / premium ratio. Median 15.00% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
MEMPHIS CITY EMPLOYEES CREDIT UNION MCECU GROUP LIFE INSURANCE PLAN	TN	$15K	$2K	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY