Welfare broker

AREA FINANCIAL SERVICES INC.

Mailing address (most recent filing)

211 HARVEST LANE

STE 2

ALTOONA, WI 54720

Total comp: $20K
Commissions: $20K
Fees: $11
Filings: 4
Sponsors: 4

Carrier mix

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

UNUM LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$77K	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
WI	1	$77K	0.0%	53.08x

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 AREA FINANCIAL SERVICES INC.'s plans by broker comp / premium ratio. Median 12.58% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where AREA FINANCIAL SERVICES INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
KMTSJ, INC. KMTSJ, INC. LONG-TERM DISABILITY AND LIFE INSURANCE PLAN	WI	$77K	$10K	UNUM LIFE INSURANCE COMPANY OF AMERICA