Welfare broker

DANIEL L FREMLING

Mailing address (most recent filing)

4321 COVENTRY DRIVE S

FARGO, ND 58104

Total comp: $16K
Commissions: $16K
Fees: $57
Filings: 4
Sponsors: 4

Carrier mix

Where DANIEL L FREMLING places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	2	$42K	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
ND	2	$42K	0.6%	346.98x

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 DANIEL L FREMLING's plans by broker comp / premium ratio. Median 11.37% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where DANIEL L FREMLING is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
FARMERS UNION OIL COMPANY OF MOORHEAD FARMERS UNION OIL COMPANY OF MOORHEAD LIFE INSURANCE PLAN	ND	$22K	$3K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
FARMERS UNION OIL COMPANY OF MOORHEAD FARMERS UNION OIL COMPANY OF MOORHEAD VISION PLAN	ND	$20K	$2K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

Carrier

Plans

Premium

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

$42K

100.0%

State

Plans

Premium

State share

Index

$42K

0.6%

346.98x

Sponsor

Loc

Premium

Comp

Carrier

FARMERS UNION OIL COMPANY OF MOORHEAD

FARMERS UNION OIL COMPANY OF MOORHEAD LIFE INSURANCE PLAN

$22K

$3K

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

FARMERS UNION OIL COMPANY OF MOORHEAD

FARMERS UNION OIL COMPANY OF MOORHEAD VISION PLAN

$20K

$2K

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA