Welfare broker

WESBANCO INS SERVICES INC

Mailing address (most recent filing)

PO BOX 756

MORGANTOWN, WV 265070756

Total comp: $36K
Commissions: $36K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

Where WESBANCO INS SERVICES INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

HARTFORD LIFE AND ACCIDENT100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HARTFORD LIFE AND ACCIDENT	2	$828K	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
WV	2	$828K	0.5%	276.63x

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 WESBANCO INS SERVICES INC's plans by broker comp / premium ratio. Median 4.53% vs welfare-wide median 6.40% (n=2).

Prospect-flag exposure · vs market baseline

Share of WESBANCO INS SERVICES INC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where WESBANCO INS SERVICES INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
WESBANCO INC WESBANCO INC GROUP LIFE INSURANCE PLAN	WV	$360K	$21K	THE HARTFORD
WESBANCO INC WESBANCO INC LONG TERM DISABILITY PLAN	WV	$467K	$15K	THE HARTFORD