Welfare broker

ARMBRUSTER EXECUTIVE & EMPLOYEE BEN

Mailing address (most recent filing)

7835 3RD ST N STE 107

OAKDALE, MN 55128

Total comp: $52K
Commissions: $52K
Fees: $661
Filings: 4
Sponsors: 4

Carrier mix

Where ARMBRUSTER EXECUTIVE & EMPLOYEE BEN places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

STANDARD INSURANCE COMPANY50.0%
EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
STANDARD INSURANCE COMPANY	1	$19K	50.0%
EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA	1	$140K	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
SD	1	$19K	0.3%	181.11x
MN	1	$140K	0.0%	25.07x

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 EXECUTIVE & EMPLOYEE BEN's plans by broker comp / premium ratio. Median 14.31% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of ARMBRUSTER EXECUTIVE & EMPLOYEE BEN's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where ARMBRUSTER EXECUTIVE & EMPLOYEE BEN 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
HEGG COMPANIES, INC. HEGG COMPANIES GROUP LIFE INSURANCE PLAN	SD	$19K	$2K	STANDARD INSURANCE COMPANY

Carrier

Plans

Premium

STANDARD INSURANCE COMPANY

$19K

50.0%

EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA

$140K

50.0%

State

Plans

Premium

State share

Index

$19K

0.3%

181.11x

$140K

0.0%

25.07x

Sponsor

Loc

Premium

Comp

Carrier

FINLAYSON BANCSHARES, INC.

FINLAYSON BANCSHARES, INC LIFE INSURANCE PLAN

$140K

$24K

EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA

HEGG COMPANIES, INC.

HEGG COMPANIES GROUP LIFE INSURANCE PLAN

$19K

$2K

STANDARD INSURANCE COMPANY