Welfare broker

CLEMENS & ASSOC LIFE AGENCY LTD

Mailing address (most recent filing)

2806 E. EMPIRE ST.

BLOOMINGTON, IL 61704

Total comp: $119K
Commissions: $61K
Fees: $59K
Filings: 6
Sponsors: 6

Carrier mix

Where CLEMENS & ASSOC LIFE AGENCY LTD 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	$21.9M	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
IL	1	$21.9M	0.0%	28.47x

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 CLEMENS & ASSOC LIFE AGENCY LTD's plans by broker comp / premium ratio. Median 0.27% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of CLEMENS & ASSOC LIFE AGENCY LTD's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where CLEMENS & ASSOC LIFE AGENCY LTD is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ILLINOIS BANKERS ASSOCIATION ILLINOIS BANKERS GROUP INSURANCE TRUST	IL	$21.9M	$58K	BLUE CROSS BLUE SHIELD OF ILLINOIS