Welfare broker

AMERICAS FINANCIAL CONSULTANTS

Mailing address (most recent filing)

12006 RIDGEMONT DR

URBANDALE, IA 50323

Total comp: $11K
Commissions: $11K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

Where AMERICAS FINANCIAL CONSULTANTS places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY	2	$134K	100.0%

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
IA	2	$134K	0.2%	105.23x

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 AMERICAS FINANCIAL CONSULTANTS's plans by broker comp / premium ratio. Median 15.79% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of AMERICAS FINANCIAL CONSULTANTS's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where AMERICAS FINANCIAL CONSULTANTS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
HERTZ ASSOCIATES LTD HERTZ ASSOCIATES LTD LIFE AND LTD INSURANCE PLAN	IA	$107K	$12K	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY
IOWA PLAINS SIGNING, INC. IOWA PLAINS SIGNING, INC. VOLUNTARY LIFE INSURANCE PLAN	IA	$27K	$5K	LINCOLN NATIONAL LIFE INSURANCE COMPANY

Carrier

Plans

Premium

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY

$134K

100.0%

State

Plans

Premium

State share

Index

$134K

0.2%

105.23x

Sponsor

Loc

Premium

Comp

Carrier

HERTZ ASSOCIATES LTD

HERTZ ASSOCIATES LTD LIFE AND LTD INSURANCE PLAN

$107K

$12K

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY

IOWA PLAINS SIGNING, INC.

IOWA PLAINS SIGNING, INC. VOLUNTARY LIFE INSURANCE PLAN

$27K

$5K

LINCOLN NATIONAL LIFE INSURANCE COMPANY