Welfare broker

20/20 ADVISOR GROUP

Mailing address (most recent filing)

3500 VICKSBURG LN N

#178

PLYMOUTH, MN 55447

Total comp: $165K
Commissions: $165K
Fees: $0
Filings: 5
Sponsors: 5

Carrier mix

Where 20/20 ADVISOR GROUP places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNUM LIFE INSURANCE COMPANY OF AMERICA33.3%
UNITED OF OMAHA LIFE INSURANCE COMPANY33.3%
BLUE CROSS OF CALIFORNIA33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$251K	33.3%
UNITED OF OMAHA LIFE INSURANCE COMPANY	1	$120K	33.3%
BLUE CROSS OF CALIFORNIA	1	$2.0M	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
MN	3	$2.4M	0.1%	50.15x

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 20/20 ADVISOR GROUP's plans by broker comp / premium ratio. Median 13.47% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

Share of 20/20 ADVISOR GROUP's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-3 of 3 sponsors where 20/20 ADVISOR GROUP is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
HARVEY VOGEL MANUFACTURING CO. HARVEY VOGEL MANUFACTURING CO WELFARE BENEFIT PLAN	MN	$2.0M	$90K	BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS
CRYSTAL DISTRIBUTION, INC CRYSTAL DISTRIBUTION, INC. EMPLOYEE BENEFITS PLAN	MN	$251K	$38K	UNUM LIFE INSURANCE COMPANY OF AMERICA
KM SUPERMARKETS INC. KM SUPERMARKETS INC. LIFE, DISABILITY AND DENTAL INSURANCE PLAN	MN	$120K	$16K	UNITED OF OMAHA LIFE INSURANCE COMPANY

Carrier

Plans

Premium

UNUM LIFE INSURANCE COMPANY OF AMERICA

$251K

33.3%

UNITED OF OMAHA LIFE INSURANCE COMPANY

$120K

33.3%

BLUE CROSS OF CALIFORNIA

$2.0M

33.3%

State

Plans

Premium

State share

Index

$2.4M

0.1%

50.15x

Sponsor

Loc

Premium

Comp

Carrier

HARVEY VOGEL MANUFACTURING CO.

HARVEY VOGEL MANUFACTURING CO WELFARE BENEFIT PLAN

$2.0M

$90K

BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS

CRYSTAL DISTRIBUTION, INC

CRYSTAL DISTRIBUTION, INC. EMPLOYEE BENEFITS PLAN

$251K

$38K

UNUM LIFE INSURANCE COMPANY OF AMERICA

KM SUPERMARKETS INC.

KM SUPERMARKETS INC. LIFE, DISABILITY AND DENTAL INSURANCE PLAN

$120K

$16K

UNITED OF OMAHA LIFE INSURANCE COMPANY