Welfare broker

LD&B INSURANCE

Mailing address (most recent filing)

205 SOUTH LIBERTY STREET

HARRISONBURG, VA 22801

Total comp: $21K
Commissions: $21K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA	1	$196K	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	1	$196K	0.0%	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 LD&B INSURANCE's plans by broker comp / premium ratio. Median 12.72% vs welfare-wide median 6.40% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where LD&B INSURANCE is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
DESIGN ELECTRIC, INC. DESIGN ELECTRIC, INC. HEALTH AND WELFARE PLAN	VA	$196K	$25K	RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA