Welfare broker

ADVANCED BENEFIT SOLUTION

Mailing address (most recent filing)

1406 N MITCHEL STREET

CADILLAC, MI 49601

Total comp: $533K
Commissions: $337K
Fees: $197K
Filings: 12
Sponsors: 12

Carrier mix

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

HARTFORD LIFE AND ACCIDENT50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HARTFORD LIFE AND ACCIDENT	1	$5K	50.0%
BLUE CROSS OF CALIFORNIA	1	$12.9M	50.0%

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
MI	2	$12.9M	0.1%	41.13x

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 ADVANCED BENEFIT SOLUTION's plans by broker comp / premium ratio. Median 12.40% vs welfare-wide median 6.40% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where ADVANCED BENEFIT SOLUTION is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
NOVO BUILDING PRODUCTS, LLC NOVO BUILDING PRODUCTS, LLC WELFARE BENEFIT PLAN	MI	$12.9M	$617K	BLUE CROSS BLUE SHIELD OF MICHIGAN
EASTWOOD NURSING CENTER OF NEGAUNEE INC. EASTWOOD NURSING CENTER LIFE INSURANCE PLAN	MI	$5K	$1K	HARTFORD LIFE AND ACCIDENT

Carrier

Plans

Premium

HARTFORD LIFE AND ACCIDENT

$5K

50.0%

BLUE CROSS OF CALIFORNIA

$12.9M

50.0%

State

Plans

Premium

State share

Index

$12.9M

0.1%

41.13x

Sponsor

Loc

Premium

Comp

Carrier

NOVO BUILDING PRODUCTS, LLC

NOVO BUILDING PRODUCTS, LLC WELFARE BENEFIT PLAN

$12.9M

$617K

BLUE CROSS BLUE SHIELD OF MICHIGAN

EASTWOOD NURSING CENTER OF NEGAUNEE INC.

EASTWOOD NURSING CENTER LIFE INSURANCE PLAN

$5K

$1K

HARTFORD LIFE AND ACCIDENT