Welfare broker

BRADLEY J. GARDNER

Mailing address (most recent filing)

2401 WEST BIG BEAVER ROAD

TROY, MI 48084

Carrier mix

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

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CARE NETWORK OF MICHIGAN	2	$1.2M	40.0%
BLUE CROSS OF CALIFORNIA	2	$2.6M	40.0%
PRIORITY HEALTH	1	$894K	20.0%

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	5	$4.7M	0.2%	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 BRADLEY J. GARDNER's plans by broker comp / premium ratio. Median 6.09% vs welfare-wide median 6.29% (n=5).

Prospect-flag exposure · vs market baseline

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

1-5 of 5 sponsors where BRADLEY J. GARDNER is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
K & S SERVICES, INC K & S SERVICES, INC WELFARE BENEFIT PLAN	MI	$199K	$110K	BLUE CARE NETWORK OF MICHIGAN
DIETZ MANAGEMENT COMPANY DIETZ PROPERTY GROUP WELFARE BENEFIT PLAN	MI	$1.3M	$77K	BLUE CROSS BLUE SHIELD OF MICHIGAN
LOCKWOOD MANAGEMENT LOCKWOOD MANAGEMENT WELFARE BENEFIT PLAN	MI	$981K	$68K	BLUE CARE NETWORK OF MICHIGAN
INFOTREE GLOBAL SOLUTIONS CORP INFOTREE GLOBAL SOLUTIONS MEDICAL PLAN	MI	$1.4M	$44K	BLUE CROSS BLUE SHIELD OF MICHIGAN
CREST AUTOMOTIVE GROUP CREST AUTOMOTIVE WELFARE BENEFIT PLAN	MI	$894K	$33K	PRIORITY HEALTH INSURANCE COMPANY