Welfare broker

CARL R MESSING

Mailing address (most recent filing)

691 N. SQUIRREL RD SUITE 190

AUBURN HILLS, MI 48326

Total comp: $282K
Commissions: $282K
Fees: $0
Filings: 5
Sponsors: 5

Carrier mix

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

BLUE CROSS OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	2	$7.0M	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	2	$7.0M	0.1%	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 CARL R MESSING's plans by broker comp / premium ratio. Median 3.87% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where CARL R MESSING is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
KNIGHT ERGONOMICS, LTD. KNIGHT ERGONOMICS, LTD. HEALTH AND WELFARE BENEFIT	MI	$4.7M	$171K	BLUE CROSS BLUE SHEILD OR MICHIGAN
CLOVERLAND ELECTRIC COOPERATIVE CLOVERLAND ELECTRIC COOPERATIVE WELFARE BENEFIT PLAN	MI	$2.3M	$94K	BLUE CROSS BLUE SHIELD OF MICHIGAN