Welfare broker

ADVANCED BENEFIT SOLUTION

Mailing address (most recent filing)

1406 N MITCHEL STREET

CADILLAC, MI 49601

Total comp: $397K
Commissions: $273K
Fees: $124K
Filings: 15
Sponsors: 15

Carrier mix

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

HARTFORD LIFE AND ACCIDENT33.3%
SUN LIFE ASSURANCE COMPANY OF CANADA33.3%
BLUE CROSS OF CALIFORNIA33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HARTFORD LIFE AND ACCIDENT	1	$5K	33.3%
SUN LIFE ASSURANCE COMPANY OF CANADA	1	$573K	33.3%
BLUE CROSS OF CALIFORNIA	1	$10.7M	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
MI	3	$11.3M	0.1%	41.16x

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 4.61% vs welfare-wide median 6.29% (n=3).

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.

1-3 of 3 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	$10.7M	$495K	BLUE CROSS BLUE SHIELD OF MICHIGAN
CASE SYSTEMS, INC. HEALTH BENEFIT PLAN FOR CASE SYSTEMS, INC	MI	$573K	$19K	SUN LIFE ASSURANCE COMPANY OF CANADA
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

33.3%

SUN LIFE ASSURANCE COMPANY OF CANADA

$573K

33.3%

BLUE CROSS OF CALIFORNIA

$10.7M

33.3%

State

Plans

Premium

State share

Index

$11.3M

0.1%

41.16x

Sponsor

Loc

Premium

Comp

Carrier

NOVO BUILDING PRODUCTS, LLC

NOVO BUILDING PRODUCTS, LLC WELFARE BENEFIT PLAN

$10.7M

$495K

BLUE CROSS BLUE SHIELD OF MICHIGAN

CASE SYSTEMS, INC.

HEALTH BENEFIT PLAN FOR CASE SYSTEMS, INC

$573K

$19K

SUN LIFE ASSURANCE COMPANY OF CANADA

EASTWOOD NURSING CENTER OF NEGAUNEE INC.

EASTWOOD NURSING CENTER LIFE INSURANCE PLAN

$5K

$1K

HARTFORD LIFE AND ACCIDENT