Welfare broker

WISTERM, LLC

Mailing address (most recent filing)

254 17TH ST NW

NAPLES, FL 34120

Total comp: $145K
Commissions: $145K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

Where WISTERM, LLC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

SUN LIFE ASSURANCE COMPANY OF CANADA33.3%
CIGNA HEALTH AND LIFE INSURANCE COMPANY33.3%
BLUE CROSS OF CALIFORNIA33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
SUN LIFE ASSURANCE COMPANY OF CANADA	1	$238K	33.3%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$156K	33.3%
BLUE CROSS OF CALIFORNIA	1	$1.8M	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
FL	2	$2.0M	0.0%	16.93x
GA	1	$156K	0.0%	5.06x

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 WISTERM, LLC's plans by broker comp / premium ratio. Median 12.50% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where WISTERM, LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
RENAISSANCE ARTS AND EDUCATION RENAISSANCE ARTS AND EDUCATION, INC. DBA MANATEE SCHOOL FOR THE ARTS HEALTH CARE PLAN	FL	$1.8M	$100K	BLUE CROSS BLUE SHIELD OF FLORIDA
PACEMATE, LLC PACEMATE, LLC BENEFITS PLAN	FL	$238K	$30K	SUN LIFE ASSURANCE COMPANY OF CANADA
COBOCO LLC COBOCO LLC BENEFITS PLAN	GA	$156K	$23K	CIGNA HEALTH AND LIFE INSURANCE COMPANY

Carrier

Plans

Premium

SUN LIFE ASSURANCE COMPANY OF CANADA

$238K

33.3%

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$156K

33.3%

BLUE CROSS OF CALIFORNIA

$1.8M

33.3%

State

Plans

Premium

State share

Index

$2.0M

0.0%

16.93x

$156K

0.0%

5.06x

Sponsor

Loc

Premium

Comp

Carrier

RENAISSANCE ARTS AND EDUCATION

RENAISSANCE ARTS AND EDUCATION, INC. DBA MANATEE SCHOOL FOR THE ARTS HEALTH CARE PLAN

$1.8M

$100K

BLUE CROSS BLUE SHIELD OF FLORIDA

PACEMATE, LLC

PACEMATE, LLC BENEFITS PLAN

$238K

$30K

SUN LIFE ASSURANCE COMPANY OF CANADA

COBOCO LLC

COBOCO LLC BENEFITS PLAN

$156K

$23K

CIGNA HEALTH AND LIFE INSURANCE COMPANY