Welfare broker

BENE USA LLC

Mailing address (most recent filing)

261 SCHOOL AVE

SUITE 350

EXCELSIOR, MN 55331

Total comp: $64K
Commissions: $63K
Fees: $1K
Filings: 12
Sponsors: 12

Carrier mix

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

BLUE CROSS OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	1	$505K	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	$505K	0.0%	50.15x

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 BENE USA LLC's plans by broker comp / premium ratio. Median 0.13% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where BENE USA LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
MIDWEST CONSTRUCTION & DISTRIBUTION INDUSTRY BENEFIT TRUST MIDWEST CONSTRUCTION & DISTRIBUTION INDUSTRY BENEFIT TRUST	MN	$505K	$643	BSBCM, INC. DBA BLUE CROSS AND BLUE SHIELD OF MINNESOTA