Welfare broker

CIA FINANCIAL GROUP INC

Mailing address (most recent filing)

45600 VILLAGE BLVD.

SHELBY TOWNSHIP, MI 48315

Total comp: $72K
Commissions: $72K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

Where CIA FINANCIAL GROUP INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

BLUE CARE NETWORK OF MICHIGAN100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CARE NETWORK OF MICHIGAN	1	$1.4M	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	1	$1.4M	0.0%	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 CIA FINANCIAL GROUP INC's plans by broker comp / premium ratio. Median 6.15% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of CIA FINANCIAL GROUP INC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where CIA FINANCIAL GROUP INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
BLUE WATER DEVELOPMENTAL HOUSING BLUE WATER DEVELOPMENTAL HOUSING EMPLOYEE BENEFITS PLAN	MI	$1.4M	$85K	BLUE CARE NETWORK OF MICHIGAN