Welfare broker

CARL R MESSING

Mailing address (most recent filing)

691 NORTH SQUIRREL ROAD, SUITE 190

AUBURN HILLS, MI 48326

Total comp: $417K
Commissions: $417K
Fees: $0
Filings: 6
Sponsors: 6

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	3	$12.1M	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	3	$12.1M	0.1%	41.13x

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 3.64% vs welfare-wide median 6.40% (n=3).

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.

1-3 of 3 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
WOLVERINE POWER SUPPLY COOPERATIVE, INC. WOLVERINE POWER SUPPLY COOPERATIVE HEALTH PLAN	MI	$3.9M	$147K	BLUE CROSS BLUE SHIELD OF MICHIGAN
BS&A SOFTWARE LLC BS&A SOFTWARE GROUP HEALTH INSURANCE PLAN	MI	$3.5M	$107K	BLUE CROSS BLUE SHIELD OF MICHIGAN

Carrier

Plans

Premium

BLUE CROSS OF CALIFORNIA

$12.1M

100.0%

State

Plans

Premium

State share

Index

$12.1M

0.1%

41.13x

Sponsor

Loc

Premium

Comp

Carrier

KNIGHT ERGONOMICS, LTD.

KNIGHT ERGONOMICS, LTD. HEALTH AND WELFARE BENEFIT

$4.7M

$171K

BLUE CROSS BLUE SHEILD OR MICHIGAN

WOLVERINE POWER SUPPLY COOPERATIVE, INC.

WOLVERINE POWER SUPPLY COOPERATIVE HEALTH PLAN

$3.9M

$147K

BLUE CROSS BLUE SHIELD OF MICHIGAN

BS&A SOFTWARE LLC

BS&A SOFTWARE GROUP HEALTH INSURANCE PLAN

$3.5M

$107K

BLUE CROSS BLUE SHIELD OF MICHIGAN