Welfare broker

COUCH & HEPLER LLC

Mailing address (most recent filing)

6750 W 75TH STREET SUITE 1A

OVERLAND PARK, KS 66204

Total comp: $155K
Commissions: $141K
Fees: $14K
Filings: 3
Sponsors: 3

Carrier mix

Where COUCH & HEPLER LLC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

RELIANCE STANDARD LIFE INSURANCE COMPANY50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
RELIANCE STANDARD LIFE INSURANCE COMPANY	1	$191K	50.0%
BLUE CROSS OF CALIFORNIA	1	$1.8M	50.0%

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
KS	1	$191K	0.1%	67.33x
IL	1	$1.8M	0.0%	14.24x

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 COUCH & HEPLER LLC's plans by broker comp / premium ratio. Median 14.09% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of COUCH & HEPLER LLC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where COUCH & HEPLER LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
HEPLER BROOM, LLC HEPLERBROOM LLC WELFARE BENEFIT PLAN	IL	$1.8M	$109K	BLUE CROSS BLUE SHIELD OF IL
QUEEN'S STORES QUEEN'S STORES EMPLOYEE BENEFIT PLAN	KS	$191K	$43K	RELIANCE STANDARD LIFE INSURANCE COMPANY

Carrier

Plans

Premium

RELIANCE STANDARD LIFE INSURANCE COMPANY

$191K

50.0%

BLUE CROSS OF CALIFORNIA

$1.8M

50.0%

State

Plans

Premium

State share

Index

$191K

0.1%

67.33x

$1.8M

0.0%

14.24x

Sponsor

Loc

Premium

Comp

Carrier

HEPLER BROOM, LLC

HEPLERBROOM LLC WELFARE BENEFIT PLAN

$1.8M

$109K

BLUE CROSS BLUE SHIELD OF IL

QUEEN'S STORES

QUEEN'S STORES EMPLOYEE BENEFIT PLAN

$191K

$43K

RELIANCE STANDARD LIFE INSURANCE COMPANY