Welfare broker

VARIOUS - SEE ATTACHMENT

Mailing address (most recent filing)

C/O AFLAC - 1932 WYNNTON ROAD

COLUMBUS, GA 31999

Total comp: $2.0M
Commissions: $1.9M
Fees: $79K
Filings: 82
Sponsors: 82

Carrier mix

Where VARIOUS - SEE ATTACHMENT places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

KAISER FOUNDATION HEALTH PLAN INC33.3%
COMMUNITY INSURANCE COMPANY33.3%
BLUE CROSS OF CALIFORNIA33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
KAISER FOUNDATION HEALTH PLAN INC	1	$12.5M	33.3%
COMMUNITY INSURANCE COMPANY	1	$4.3M	33.3%
BLUE CROSS OF CALIFORNIA	1	$3.7M	33.3%

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
CA	2	$16.2M	0.0%	8.50x
OH	1	$4.3M	0.0%	2.57x

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 VARIOUS - SEE ATTACHMENT's plans by broker comp / premium ratio. Median 3.58% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

Share of VARIOUS - SEE ATTACHMENT's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-3 of 3 sponsors where VARIOUS - SEE ATTACHMENT is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
GT'S LIVING FOODS GT'S LIVING FOODS, LLC WELFARE BENEFITS PLAN	CA	$3.7M	$351K	BLUE CROSS OF CALIFORNIA
SKELTON TRUCK LINES, INC. SKELTON TRUCKLINES INC. WELFARE BENEFITS PLAN	OH	$4.3M	$153K	COMMUNITY INSURANCE COMPANY
BLUE DIAMOND GROWERS BLUE DIAMOND GROWERS WELFARE BENEFITS PLAN	CA	$12.5M	$4K	KAISER FOUNDATION HEALTH PLAN INC

Carrier

Plans

Premium

KAISER FOUNDATION HEALTH PLAN INC

$12.5M

33.3%

COMMUNITY INSURANCE COMPANY

$4.3M

33.3%

BLUE CROSS OF CALIFORNIA

$3.7M

33.3%

State

Plans

Premium

State share

Index

$16.2M

0.0%

8.50x

$4.3M

0.0%

2.57x

Sponsor

Loc

Premium

Comp

Carrier

GT'S LIVING FOODS

GT'S LIVING FOODS, LLC WELFARE BENEFITS PLAN

$3.7M

$351K

BLUE CROSS OF CALIFORNIA

SKELTON TRUCK LINES, INC.

SKELTON TRUCKLINES INC. WELFARE BENEFITS PLAN

$4.3M

$153K

COMMUNITY INSURANCE COMPANY

BLUE DIAMOND GROWERS

BLUE DIAMOND GROWERS WELFARE BENEFITS PLAN

$12.5M

$4K

KAISER FOUNDATION HEALTH PLAN INC