Welfare broker

WHITE & ASSOCIATES

Mailing address (most recent filing)

220 N MAIN AVE STE G100

DYERSBURG, TN 38024

Total comp: $110K
Commissions: $104K
Fees: $7K
Filings: 7
Sponsors: 7

Carrier mix

Where WHITE & ASSOCIATES places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

USABLE LIFE66.7%
BLUE CROSS OF CALIFORNIA33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
USABLE LIFE	2	$53K	66.7%
BLUE CROSS OF CALIFORNIA	1	$2.7M	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
TN	3	$2.7M	0.2%	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 WHITE & ASSOCIATES's plans by broker comp / premium ratio. Median 24.94% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

Share of WHITE & ASSOCIATES's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-3 of 3 sponsors where WHITE & ASSOCIATES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
FIRST CITIZENS NATIONAL BANK FIRST CITIZENS NATIONAL BANK EMPLOYEE BENEFITS PLAN	TN	$2.7M	$122K	BLUECROSS BLUESHIELD OF TENNESSEE, INC.
SECURITY BANK AND TRUST COMPANY SECURITY BANK AND TRUST COMPANY	TN	$47K	$12K	USABLE LIFE
CTD STAFFING LLC CTD STAFFING LLC LIFE PLAN	TN	$6K	$2K	USABLE LIFE

Carrier

Plans

Premium

USABLE LIFE

$53K

66.7%

BLUE CROSS OF CALIFORNIA

$2.7M

33.3%

State

Plans

Premium

State share

Index

$2.7M

0.2%

64.91x

Sponsor

Loc

Premium

Comp

Carrier

FIRST CITIZENS NATIONAL BANK

FIRST CITIZENS NATIONAL BANK EMPLOYEE BENEFITS PLAN

$2.7M

$122K

BLUECROSS BLUESHIELD OF TENNESSEE, INC.

SECURITY BANK AND TRUST COMPANY

$47K

$12K

USABLE LIFE

CTD STAFFING LLC

CTD STAFFING LLC LIFE PLAN

$6K

$2K

USABLE LIFE