Welfare broker

WRM GROUP, LLC

Mailing address (most recent filing)

1700 4TH AVE S

JASPER, AL 35501

Total comp: $195K
Commissions: $190K
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.

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$210K	50.0%
BLUE CROSS OF CALIFORNIA	1	$1.7M	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	$1.9M	0.2%	107.78x

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 6.98% vs welfare-wide median 6.29% (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
BAMA CONCRETE PRODUCTS CO IN BAMA CONCRETE PRODUCT CO INC	AL	$210K	$27K	GUARDIAN INSURANCE COMPANY
MONTE SANO RESEARCH CORPORATION MONTE SANO RESEARCH CORPORATION BENEFITS PLAN	AL	$1.7M	$18K	BLUE CROSS AND BLUE SHIELD OF ALABAMA

Carrier

Plans

Premium

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

$210K

50.0%

BLUE CROSS OF CALIFORNIA

$1.7M

50.0%

State

Plans

Premium

State share

Index

$1.9M

0.2%

107.78x

Sponsor

Loc

Premium

Comp

Carrier

BAMA CONCRETE PRODUCTS CO IN

BAMA CONCRETE PRODUCT CO INC

$210K

$27K

GUARDIAN INSURANCE COMPANY

MONTE SANO RESEARCH CORPORATION

MONTE SANO RESEARCH CORPORATION BENEFITS PLAN

$1.7M

$18K

BLUE CROSS AND BLUE SHIELD OF ALABAMA