Welfare broker

WRM GROUP LLC

Mailing address (most recent filing)

P O BOX 1309

JASPER, AL 35502

Total comp: $181K
Commissions: $176K
Fees: $5K
Filings: 5
Sponsors: 5

Carrier mix

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

VIVA HEALTH50.0%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
VIVA HEALTH	1	$1.0M	50.0%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$210K	50.0%

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
AL	2	$1.2M	0.2%	107.58x

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 WRM GROUP LLC's plans by broker comp / premium ratio. Median 8.66% vs welfare-wide median 6.31% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where WRM GROUP LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
BTC WHOLESALE DISTRIBUTORS, INC. BTC WHOLESALE DISTRIBUTORS, INC. WRAP PLAN	AL	$1.0M	$46K	VIVA HEALTH
BAMA CONCRETE PRODUCTS CO IN BAMA CONCRETE PRODUCT CO INC	AL	$210K	$27K	GUARDIAN INSURANCE COMPANY