Welfare broker

BENEFIT SOLUTIONS INC

Mailing address (most recent filing)

577 NC HWY 16 S

PO BOX 476

TAYLORSVILLE, NC 28681

Total comp: $788K
Commissions: $481K
Fees: $307K
Filings: 44
Sponsors: 44

Carrier mix

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

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA46.7%
HCC LIFE INSURANCE COMPANY13.3%
RELIANCE STANDARD LIFE INSURANCE COMPANY13.3%
BENEFIT SOLUTIONS, INC.13.3%
CIGNA HEALTH AND LIFE INSURANCE COMPANY6.7%
BLUE CROSS OF CALIFORNIA6.7%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	7	$341K	46.7%
HCC LIFE INSURANCE COMPANY	2	$6.1M	13.3%
RELIANCE STANDARD LIFE INSURANCE COMPANY	2	$65K	13.3%
BENEFIT SOLUTIONS, INC.	2	$91K	13.3%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$1.0M	6.7%
BLUE CROSS OF CALIFORNIA	1	$1.2M	6.7%

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
NC	14	$7.6M	0.6%	44.54x
IL	1	$1.2M	0.0%	1.90x

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 BENEFIT SOLUTIONS INC's plans by broker comp / premium ratio. Median 12.53% vs welfare-wide median 6.29% (n=15).

Prospect-flag exposure · vs market baseline

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

1-15 of 15 sponsors where BENEFIT SOLUTIONS INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
MARKETING ASSOCIATION FOR REHABILITATION CENTERS INC THE MARC GROUP INC EMPLOYEE BENEFIT PLAN TRUST AGREEMENT	NC	$5.2M	$521K	HCC LIFE INSURANCE COMPANY
MILLENNIUM INFORMATION SERVICES, INC. MILLENNIUM INFORMATION SERVICES, INC. BENEFIT PLAN	IL	$1.2M	$57K	BLUECROSS BLUESHIELD OF ILLINOIS
EVERETT CHEVROLET INC EVERETT CHEVROLET INC	NC	$1.0M	$57K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
TECHNIBILT, LTD DBA WANZL NORTH AMERICA TECHNIBILT GROUP INSURANCE PLAN	NC	$862K	$31K	TOKIO MARINE
SCHNEIDER MILLS, INC. SCHNEIDER MILLS, INC. - SHORT TERM DISABILITY PLAN	NC	$74K	$10K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
SCHNEIDER MILLS, INC. SCHNEIDER MILLS, INC. - LONG TERM DISABILITY PLAN	NC	$57K	$7K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
HAYWOOD VOCATIONAL OPPORTUNITIES, INC. DENTAL CARE HAYWOOD VOCATIONAL OPPORTUNITIES, INC.	NC	$60K	$6K	BENEFIT SOLUTIONS, INC.
HAYWOOD VOCATIONAL OPPORTUNITIES, INC. LONG TERM DISABILITY HAYWOOD VOCATIONAL OPPORTUNITIES, INC.	NC	$35K	$5K	RELIANCE STANDARD LIFE INSURANCE COMPANY
SCHNEIDER MILLS, INC. SCHNEIDER MILLS, INC - CANCER PLAN	NC	$23K	$5K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
HAYWOOD VOCATIONAL OPPORTUNITIES, INC. GROUP LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT HAYWOOD VOCATIONAL OPPORTUNITIES, INC.	NC	$29K	$4K	RELIANCE STANDARD LIFE INSURANCE COMPANY
SCHNEIDER MILLS, INC. SCHNEIDER MILLS, INC. - DENTAL PLAN	NC	$136K	$4K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
SCHNEIDER MILLS, INC. SCHNEIDER MILLS, INC. - LIFE AD&D PLAN	NC	$32K	$4K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
SCHNEIDER MILLS, INC. SCHNEIDER MILLS, INC. - ACCIDENT PLAN	NC	$19K	$4K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
HAYWOOD VOCATIONAL OPPORTUNITIES, INC. SHORT TERM DISABILITY HAYWOOD VOCATIONAL OPPORTUNITIES, INC.	NC	$31K	$3K	BENEFIT SOLUTIONS, INC.
SCHNEIDER MILLS, INC. SCHNEIDER MILLS, INC CRITICAL ILLNESS PLAN	NC	$926	$185	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA