Welfare broker

HSH INSURANCE INC

Mailing address (most recent filing)

P.O. BOX 3205

SALEM, VA 24153

Total comp: $49K
Commissions: $49K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

Where HSH INSURANCE INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

PRINCIPAL LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PRINCIPAL LIFE INSURANCE COMPANY	2	$423K	100.0%

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
VA	2	$423K	0.1%	46.07x

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 HSH INSURANCE INC's plans by broker comp / premium ratio. Median 11.14% vs welfare-wide median 6.40% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where HSH INSURANCE INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
INNOVATIVE REFRIGERATION SYSTEMS INC. INNOVATIVE REFRIGERATION LIFE DENTAL LTD	VA	$415K	$48K	PRINCIPAL LIFE INSURANCE COMPANY
HILLCREST VINEYARD AND WINERY LLC HILLCREST VINEYARD AND WINERY LLC LIFE DENTAL LTD	VA	$8K	$847	PRINCIPAL LIFE INSURANCE COMPANY