Welfare broker

CASSIE GOODBAND

Mailing address (most recent filing)

PO BOX 50631

KALAMAZOO, MI 49007

Carrier mix

Where CASSIE GOODBAND 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	$3.6M	40.0%
PRIORITY HEALTH	1	$1.3M	20.0%
PRINCIPAL LIFE INSURANCE COMPANY	1	$86K	20.0%
BLUE CROSS OF CALIFORNIA	1	$3.4M	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	$8.4M	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 CASSIE GOODBAND's plans by broker comp / premium ratio. Median 4.22% vs welfare-wide median 6.29% (n=5).

Prospect-flag exposure · vs market baseline

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

1-5 of 5 sponsors where CASSIE GOODBAND is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
HOSPICE CARE OF SOUTHWEST MICHIGAN HOSPICE CARE OF SOUTHWEST MICHIGAN WELFARE BENEFIT PLAN	MI	$3.4M	$136K	BLUE CROSS BLUE SHIELD OF MICHIGAN
TIME AND TALENT AGENCY, INC TIME AND TALENT AGENCY, INC	MI	$1.3M	$83K	PRIORITY HEALTH
PFCU PFCU CAFETERIA PLAN	MI	$1.9M	$75K	BLUE CARE NETWORK OF MICHIGAN
TERRYBERRY COMPANY LLC TERRYBERRY COMPANY EMPLOYEE BENEFITS PLAN	MI	$1.7M	$72K	BLUE CARE NETWORK OF MICHIGAN
PHOENIX COMPOSITE SOLUTIONS, LLC PHOENIX COMPOSITE SOLUTIONS, LLC	MI	$86K	$35K	PRINCIPAL LIFE INSURANCE COMPANY