Welfare broker

ARMBRUSTER EXEC EMPLOY BENEFIT

Mailing address (most recent filing)

OAKDALE, MN 55125

Total comp: $16K
Commissions: $16K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA	1	$140K	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
MN	1	$140K	0.0%	50.12x

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 ARMBRUSTER EXEC EMPLOY BENEFIT's plans by broker comp / premium ratio. Median 17.02% vs welfare-wide median 6.35% (n=1).

Prospect-flag exposure · vs market baseline

Share of ARMBRUSTER EXEC EMPLOY BENEFIT's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where ARMBRUSTER EXEC EMPLOY BENEFIT is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
FINLAYSON BANCSHARES, INC. FINLAYSON BANCSHARES, INC LIFE INSURANCE PLAN	MN	$140K	$24K	EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA

Carrier

Plans

Premium

EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA

$140K

100.0%

State

Plans

Premium

State share

Index

$140K

0.0%

50.12x

Sponsor

Loc

Premium

Comp

Carrier

FINLAYSON BANCSHARES, INC.

FINLAYSON BANCSHARES, INC LIFE INSURANCE PLAN

$140K

$24K

EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA