Welfare broker

CINDY STELLHORN

Mailing address (most recent filing)

571 MONON BOULEVARD, SUITE 400

CARMEL, IN 46032

Total comp: $43K
Commissions: $43K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

Where CINDY STELLHORN 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	1	$1.3M	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	$1.3M	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 CINDY STELLHORN's plans by broker comp / premium ratio. Median 6.43% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where CINDY STELLHORN is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
GONGOS, LLC GONGOS RESEARCH WELFARE BENEFIT PLAN	MI	$1.3M	$82K	BLUE CROSS BLUE SHIELD OF MICHIGAN