Welfare broker

V E PENNEL

Mailing address (most recent filing)

5141 WHEELIS AVENUE

MEMPHIS, TN 38117

Total comp: $166K
Commissions: $166K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

BLUE CROSS OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	1	$3.2M	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	$3.2M	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 V E PENNEL's plans by broker comp / premium ratio. Median 5.54% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where V E PENNEL is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
SOUTHWEST TENNESSEE EMC SOUTHWEST TENNESSEE EMC WELFARE BENEFIT PLAN	TN	$3.2M	$179K	BLUECROSS BLUESHIELD OF TENNESSEE, INC.