Welfare broker

BHERD, LLC

Mailing address (most recent filing)

1956 PARK AVE

DES MOINES, IA 50315

Total comp: $592K
Commissions: $369K
Fees: $223K
Filings: 72
Sponsors: 72

Carrier mix

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

SYMETRA LIFE INSURANCE COMPANY50.0%
PRUDENTIAL INSURANCE COMPANY OF AMERICA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
SYMETRA LIFE INSURANCE COMPANY	1	$347K	50.0%
PRUDENTIAL INSURANCE COMPANY OF AMERICA	1	$105K	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
IL	1	$105K	0.0%	14.24x
IA	1	$347K	0.1%	52.62x

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 BHERD, LLC's plans by broker comp / premium ratio. Median 8.53% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where BHERD, LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ORA ORTHOPEDICS, P.C. ORA ORTHOPEDICS, PC DISABILITY PLAN	IA	$347K	$50K	SYMETRA LIFE INSURANCE COMPANY
KNOX COLLEGE KNOX COLLEGE HEALTH PLAN	IL	$105K	$3K	PRUDENTIAL INSURANCE COMPANY OF AMERICA

Carrier

Plans

Premium

SYMETRA LIFE INSURANCE COMPANY

$347K

50.0%

PRUDENTIAL INSURANCE COMPANY OF AMERICA

$105K

50.0%

State

Plans

Premium

State share

Index

$105K

0.0%

14.24x

$347K

0.1%

52.62x

Sponsor

Loc

Premium

Comp

Carrier

ORA ORTHOPEDICS, P.C.

ORA ORTHOPEDICS, PC DISABILITY PLAN

$347K

$50K

SYMETRA LIFE INSURANCE COMPANY

KNOX COLLEGE

KNOX COLLEGE HEALTH PLAN

$105K

$3K

PRUDENTIAL INSURANCE COMPANY OF AMERICA