Welfare broker

W D CAMPBELL & SON, INC.

Mailing address (most recent filing)

801 MAIN STREET, SUITE 400

LYNCHBURG, VA 24505

Carrier mix

Where W D CAMPBELL & SON, INC. places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	2	$167K	40.0%
ANTHEM LIFE INSURANCE COMPANY	2	$808K	40.0%
PRINCIPAL LIFE INSURANCE COMPANY	1	$6K	20.0%

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
VA	5	$982K	0.2%	46.07x

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 W D CAMPBELL & SON, INC.'s plans by broker comp / premium ratio. Median 9.51% vs welfare-wide median 6.40% (n=5).

Prospect-flag exposure · vs market baseline

Share of W D CAMPBELL & SON, INC.'s book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-5 of 5 sponsors where W D CAMPBELL & SON, INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
BRANSCOME OPERATING LLC BRANSCOME OPERATING LLC	VA	$506K	$33K	ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS (G1605)
C&F ENTERPRISES INC. DBA GALLERIE II C&F ENTERPRISES INC. DBA GALLERIE II EMPLOYEE BENEFITS PLAN	VA	$164K	$16K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
ENGLISH CONSTRUCTION COMPANY, INC ENGLISH CONSTRUCTION COMPANY EMPLOYEE HEALTH AND WELFARE BENEFIT PLAN	VA	$302K	$4K	ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS
HAYMES BROTHERS, INC. HAYMES BROTHERS INC LIFE/AD&D PLAN	VA	$6K	$612	PRINCIPAL LIFE INSURANCE COMPANY
LEE HY CONSTRUCTION LLC LEE HY CONSTRUCTION LLC HEALTH & WELFARE PLAN	VA	$3K	$504	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA