Welfare broker

BHS INSURANCE

Mailing address (most recent filing)

3055 44TH STREET SOUTHWEST

GRANDVILLE, MI 49418

Total comp: $82K
Commissions: $81K
Fees: $956
Filings: 4
Sponsors: 4

Carrier mix

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

DEARBORN LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
DEARBORN LIFE INSURANCE COMPANY	1	$26K	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	$26K	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 BHS INSURANCE's plans by broker comp / premium ratio. Median 15.16% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where BHS INSURANCE is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
FAMILY & CHILDREN SERVICES, INC. FAMILY & CHILDREN SERVICES FLEXIBLE BENEFIT PLAN	MI	$26K	$4K	DEARBORN NATIONAL LIFE INSURANCE COMPANY