Welfare broker

CARUTH, JENNON, M

Mailing address (most recent filing)

PO BOX 46122

EDEN PRAIRIE, MN 55344

Total comp: $179K
Commissions: $172K
Fees: $7K
Filings: 17
Sponsors: 17

Carrier mix

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

UNUM LIFE INSURANCE COMPANY OF AMERICA50.0%
COMPANION LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$1.1M	50.0%
COMPANION LIFE INSURANCE COMPANY	1	$916K	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
WI	1	$916K	0.0%	26.54x
MN	1	$1.1M	0.0%	25.07x

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 CARUTH, JENNON, M's plans by broker comp / premium ratio. Median 10.05% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where CARUTH, JENNON, M is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CORPORATE COMMISSION OF THE MILLE LACS BAND OF OJIBWE CORPORATE COMMISSION OF THE MILLE LACS BAND OF OJIBWE EMPLOYEE BENEFIT PLAN	MN	$1.1M	$146K	PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY
VERNON MEMORIAL HEALTHCARE VERNON MEMORIAL HEALTHCARE INC. EMPLOYEE HEALTH CARE PLAN	WI	$916K	$61K	COMPANION LIFE

Carrier

Plans

Premium

UNUM LIFE INSURANCE COMPANY OF AMERICA

$1.1M

50.0%

COMPANION LIFE INSURANCE COMPANY

$916K

50.0%

State

Plans

Premium

State share

Index

$916K

0.0%

26.54x

$1.1M

0.0%

25.07x

Sponsor

Loc

Premium

Comp

Carrier

CORPORATE COMMISSION OF THE MILLE LACS BAND OF OJIBWE

CORPORATE COMMISSION OF THE MILLE LACS BAND OF OJIBWE EMPLOYEE BENEFIT PLAN

$1.1M

$146K

PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY

VERNON MEMORIAL HEALTHCARE

VERNON MEMORIAL HEALTHCARE INC. EMPLOYEE HEALTH CARE PLAN

$916K

$61K

COMPANION LIFE