Welfare broker

WRM GROUP LLC

Mailing address (most recent filing)

P O BOX 1309

JASPER, AL 35502

Total comp: $196K
Commissions: $191K
Fees: $5K
Filings: 6
Sponsors: 6

Carrier mix

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

VIVA HEALTH33.3%
METROPOLITAN LIFE INSURANCE COMPANY33.3%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
VIVA HEALTH	1	$1.0M	33.3%
METROPOLITAN LIFE INSURANCE COMPANY	1	$298K	33.3%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$210K	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
AL	3	$1.5M	0.3%	106.45x

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 11.57% vs welfare-wide median 6.40% (n=3).

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.

1-3 of 3 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
SERRA AUTOMOTIVE MANAGEMENT SERRA AUTOMOTIVE MANAGEMENT WRAP PLAN	AL	$298K	$34K	METROPOLITAN LIFE INSURANCE COMPANY
BAMA CONCRETE PRODUCTS CO IN BAMA CONCRETE PRODUCT CO INC	AL	$210K	$27K	GUARDIAN INSURANCE COMPANY

Carrier

Plans

Premium

VIVA HEALTH

$1.0M

33.3%

METROPOLITAN LIFE INSURANCE COMPANY

$298K

33.3%

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

$210K

33.3%

State

Plans

Premium

State share

Index

$1.5M

0.3%

106.45x

Sponsor

Loc

Premium

Comp

Carrier

BTC WHOLESALE DISTRIBUTORS, INC.

BTC WHOLESALE DISTRIBUTORS, INC. WRAP PLAN

$1.0M

$46K

VIVA HEALTH

SERRA AUTOMOTIVE MANAGEMENT

SERRA AUTOMOTIVE MANAGEMENT WRAP PLAN

$298K

$34K

METROPOLITAN LIFE INSURANCE COMPANY

BAMA CONCRETE PRODUCTS CO IN

BAMA CONCRETE PRODUCT CO INC

$210K

$27K

GUARDIAN INSURANCE COMPANY