Welfare broker

CHELSEY N NICHOLS

Mailing address (most recent filing)

PO BOX 1235

MINOT, ND 58702

Total comp: $6K
Commissions: $6K
Fees: $434
Filings: 1
Sponsors: 1

Carrier mix

Where CHELSEY N NICHOLS places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

AFLAC100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
AFLAC	1	$165K	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
ND	1	$165K	0.3%	346.98x

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 CHELSEY N NICHOLS's plans by broker comp / premium ratio. Median 17.37% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where CHELSEY N NICHOLS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
FOOD MANAGEMENT INVESTORS, INC. FMI AFLAC PLAN	ND	$165K	$29K	AFLAC