Welfare broker

AMERICAN CENTRAL INSURANCE SERVICES

Mailing address (most recent filing)

3300 HEDLEY

SPRINGFIELD, IL 62711

Total comp: $106K
Commissions: $106K
Fees: $0
Filings: 5
Sponsors: 5

Carrier mix

Where AMERICAN CENTRAL INSURANCE SERVICES places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

HEALTH ALLIANCE MEDICAL PLANS50.0%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HEALTH ALLIANCE MEDICAL PLANS	1	$1.2M	50.0%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$114K	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
IL	2	$1.4M	0.0%	28.47x

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 AMERICAN CENTRAL INSURANCE SERVICES's plans by broker comp / premium ratio. Median 4.80% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of AMERICAN CENTRAL INSURANCE SERVICES's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where AMERICAN CENTRAL INSURANCE SERVICES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
RICHARDSON MANUFACTURING COMPANY BENEFIT RICHARDSON MANUFACTURING COMPANY BENEFIT PLAN	IL	$1.2M	$48K	HEALTH ALLIANCE MEDICAL PLANS
C.D.S. OFFICE SYSTEMS INCORPORATED C.D.S. OFFICE SYSTEMS, INCORPORATED WELFARE BENEFIT PLAN	IL	$114K	$7K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

Carrier

Plans

Premium

HEALTH ALLIANCE MEDICAL PLANS

$1.2M

50.0%

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

$114K

50.0%

State

Plans

Premium

State share

Index

$1.4M

0.0%

28.47x

Sponsor

Loc

Premium

Comp

Carrier

RICHARDSON MANUFACTURING COMPANY BENEFIT

RICHARDSON MANUFACTURING COMPANY BENEFIT PLAN

$1.2M

$48K

HEALTH ALLIANCE MEDICAL PLANS

C.D.S. OFFICE SYSTEMS INCORPORATED

C.D.S. OFFICE SYSTEMS, INCORPORATED WELFARE BENEFIT PLAN

$114K

$7K

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA