Welfare broker

ARNOLD INSURANCE SERVICES INC

Mailing address (most recent filing)

115 EAST, 4TH STREET

MARYVILLE, MO 64468

Total comp: $65K
Commissions: $65K
Fees: $0
Filings: 5
Sponsors: 5

Carrier mix

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

RELIANCE STANDARD LIFE INSURANCE COMPANY33.3%
PRINCIPAL LIFE INSURANCE COMPANY33.3%
COMPANION LIFE INSURANCE COMPANY33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
RELIANCE STANDARD LIFE INSURANCE COMPANY	1	$36K	33.3%
PRINCIPAL LIFE INSURANCE COMPANY	1	$123K	33.3%
COMPANION LIFE INSURANCE COMPANY	1	$337K	33.3%

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
MO	3	$497K	0.0%	17.86x

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 ARNOLD INSURANCE SERVICES INC's plans by broker comp / premium ratio. Median 18.06% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where ARNOLD INSURANCE SERVICES INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ZRG KALDI'S ZRG KALDI'S HEALTH PLAN	MO	$337K	$61K	PACE UNDERWRITERS / COMPANION LIFE INSURANCE
NODAWAY VALLEY BANK NODAWAY VALLEY BANK FLEXIBLE BENEFITS PLAN	MO	$123K	$12K	PRINCIPAL LIFE INSURANCE COMPANY
ZRG KALDI'S ZRG KALDI'S LIFE PLAN	MO	$36K	$7K	RELIANCE STANDARD LIFE INSURANCE COMPANY

Carrier

Plans

Premium

RELIANCE STANDARD LIFE INSURANCE COMPANY

$36K

33.3%

PRINCIPAL LIFE INSURANCE COMPANY

$123K

33.3%

COMPANION LIFE INSURANCE COMPANY

$337K

33.3%

State

Plans

Premium

State share

Index

$497K

0.0%

17.86x

Sponsor

Loc

Premium

Comp

Carrier

ZRG KALDI'S

ZRG KALDI'S HEALTH PLAN

$337K

$61K

PACE UNDERWRITERS / COMPANION LIFE INSURANCE

NODAWAY VALLEY BANK

NODAWAY VALLEY BANK FLEXIBLE BENEFITS PLAN

$123K

$12K

PRINCIPAL LIFE INSURANCE COMPANY

ZRG KALDI'S

ZRG KALDI'S LIFE PLAN

$36K

$7K

RELIANCE STANDARD LIFE INSURANCE COMPANY