Welfare broker

BERNERDS HENDRICKS STUIT INS AGENCY

Mailing address (most recent filing)

3055 44TH STREET SE

GRANDVILLE, MI 49468

Total comp: $25K
Commissions: $21K
Fees: $4K
Filings: 1
Sponsors: 1

Carrier mix

Where BERNERDS HENDRICKS STUIT INS AGENCY places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

DELTA DENTAL OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
DELTA DENTAL OF CALIFORNIA	1	$215K	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
MI	1	$215K	0.0%	41.16x

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 BERNERDS HENDRICKS STUIT INS AGENCY's plans by broker comp / premium ratio. Median 12.84% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of BERNERDS HENDRICKS STUIT INS AGENCY's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where BERNERDS HENDRICKS STUIT INS AGENCY is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
GRANDVILLE PRINTING CO., INC. GRANDVILLE PRINTING COMPANY WELFARE BENEFIT PLAN	MI	$215K	$28K	DELTA DENTAL OF MICHIGAN