Welfare broker

A.M. INSURANCE GROUP, INC.

Mailing address (most recent filing)

4N701 SCHOOL ROAD

SAINT CHARLES, IL 60175

Total comp: $799K
Commissions: $790K
Fees: $9K
Filings: 8
Sponsors: 8

Carrier mix

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

BLUE CROSS OF CALIFORNIA66.7%
AETNA LIFE INSURANCE COMPANY33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	2	$6.1M	66.7%
AETNA LIFE INSURANCE COMPANY	1	$2.3M	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
IL	2	$6.1M	0.0%	18.98x
NY	1	$2.3M	0.0%	6.61x

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 A.M. INSURANCE GROUP, INC.'s plans by broker comp / premium ratio. Median 4.80% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where A.M. INSURANCE GROUP, INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
WELCH BROS., INC. WELCH BROS., INC. HEALTH ADVANTAGE PLAN	IL	$4.3M	$197K	BLUECROSS BLUESHIELD OF ILLINOIS
JANEL GROUP INC. JANEL GROUP EMPLOYEE BENEFITS PLAN	NY	$2.3M	$146K	AETNA LIFE INSURANCE CO.
SHAKER ADVERTISING AGENCY SHAKER ADVERTISING AGENCY, INC. EMPLOYEE HEALTH	IL	$1.8M	$86K	BLUECROSS BLUESHIELD OF ILLINOIS

Carrier

Plans

Premium

BLUE CROSS OF CALIFORNIA

$6.1M

66.7%

AETNA LIFE INSURANCE COMPANY

$2.3M

33.3%

State

Plans

Premium

State share

Index

$6.1M

0.0%

18.98x

$2.3M

0.0%

6.61x

Sponsor

Loc

Premium

Comp

Carrier

WELCH BROS., INC.

WELCH BROS., INC. HEALTH ADVANTAGE PLAN

$4.3M

$197K

BLUECROSS BLUESHIELD OF ILLINOIS

JANEL GROUP INC.

JANEL GROUP EMPLOYEE BENEFITS PLAN

$2.3M

$146K

AETNA LIFE INSURANCE CO.

SHAKER ADVERTISING AGENCY

SHAKER ADVERTISING AGENCY, INC. EMPLOYEE HEALTH

$1.8M

$86K

BLUECROSS BLUESHIELD OF ILLINOIS