Welfare broker

BEAL INSURANCE

Mailing address (most recent filing)

6730 N. SCOTTSDALE ROAD, SUITE 285

SCOTTSDALE, AZ 85253

Total comp: $13K
Commissions: $13K
Fees: $0
Filings: 5
Sponsors: 5

Carrier mix

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

FIDELITY SECURITY LIFE INSURANCE COMPANY50.0%
AVESIS INSURANCE INCORPORATED50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
FIDELITY SECURITY LIFE INSURANCE COMPANY	1	$17K	50.0%
AVESIS INSURANCE INCORPORATED	1	$21K	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
CA	1	$17K	0.0%	6.38x
AZ	1	$21K	0.1%	42.95x

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 BEAL INSURANCE's plans by broker comp / premium ratio. Median 10.42% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where BEAL INSURANCE is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ROMULUS, INC. ROMULUS, INC. HEALTH & WELFARE BENEFITS PLAN	AZ	$21K	$2K	AVESIS INSURANCE INCORPORATED
FEAST FOODS, LLC FEAST FOODS, LLC	CA	$17K	$2K	FIDELITY SECURITY LIFE INSURANCE COMPANY

Carrier

Plans

Premium

FIDELITY SECURITY LIFE INSURANCE COMPANY

$17K

50.0%

AVESIS INSURANCE INCORPORATED

$21K

50.0%

State

Plans

Premium

State share

Index

$17K

0.0%

6.38x

$21K

0.1%

42.95x

Sponsor

Loc

Premium

Comp

Carrier

ROMULUS, INC.

ROMULUS, INC. HEALTH & WELFARE BENEFITS PLAN

$21K

$2K

AVESIS INSURANCE INCORPORATED

FEAST FOODS, LLC

$17K

$2K

FIDELITY SECURITY LIFE INSURANCE COMPANY