Welfare broker

US FIRE

Carrier mix

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

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
US FIRE INSURANCE COMPANY	1	$556K	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
KY	1	$556K	0.0%	19.22x

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 US FIRE's plans by broker comp / premium ratio. Median 14.09% vs welfare-wide median 6.35% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where US FIRE is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
VALIANT MANAGEMENT & HOLDINGS, LLC VALIANT MANAGEMENT & HOLDINGS, LLC WELFARE BENEFIT PLAN	KY	$556K	$78K	US FIRE