Welfare broker

URM INSURANCE AGENCY

Mailing address (most recent filing)

PO BOX 3365

SPOKANE, WA 99220

Total comp: $176K
Commissions: $176K
Fees: $20
Filings: 2
Sponsors: 2

Carrier mix

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

SYMETRA LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
SYMETRA LIFE INSURANCE COMPANY	1	$905K	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
WA	1	$905K	0.1%	61.72x

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 URM INSURANCE AGENCY's plans by broker comp / premium ratio. Median 11.90% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where URM INSURANCE AGENCY is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
URM STORES, INC. URM AND ROSAUERS WELFARE PROGRAM	WA	$905K	$108K	SYMETRA LIFE INSURANCE COMPANY