Welfare broker

COACHLIGHT FINANCIAL, INC.

Mailing address (most recent filing)

30680 WEST 12 MILE ROAD

FARMINGTON, MI 48334

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

Carrier mix

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

METROPOLITAN LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
METROPOLITAN LIFE INSURANCE COMPANY	1	$19K	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	$19K	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 COACHLIGHT FINANCIAL, INC.'s plans by broker comp / premium ratio. Median 13.27% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where COACHLIGHT FINANCIAL, INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
SHUERT TECHNOLOGY, LLC SHUERT TECHNOLOGY, LLC LIFE AND DISABILITY PLAN	MI	$19K	$3K	METROPOLITAN LIFE INSURANCE COMPANY