Welfare broker

ANGELA GARNER

Mailing address (most recent filing)

1605 CONCENTRIC BLVD

STE 1

SAGINAW, MI 48604

Total comp: $152K
Commissions: $80K
Fees: $72K
Filings: 3
Sponsors: 3

Carrier mix

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

BLUE CROSS OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	1	$4.1M	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
MI	1	$4.1M	0.0%	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 ANGELA GARNER's plans by broker comp / premium ratio. Median 4.70% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where ANGELA GARNER is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
MICHIGAN FARM BUREAU MICHIGAN FARM BUREAU WELFARE BENEFIT PLAN	MI	$4.1M	$191K	BLUE CROSS BLUE SHIELD OF MICHIGAN