Welfare broker

DAVID BERGIN

Mailing address (most recent filing)

7760 EXCELSIOR RD STE. #103

BAXTER, MN 56425

Total comp: $62K
Commissions: $50K
Fees: $12K
Filings: 1
Sponsors: 1

Carrier mix

Where DAVID BERGIN 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	$468K	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
MN	1	$468K	0.0%	50.27x

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 DAVID BERGIN's plans by broker comp / premium ratio. Median 14.70% vs welfare-wide median 6.31% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where DAVID BERGIN is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
PEQUOT TOOL & MFG INC PEQUOT TOOL & MFG., INC. WRAP PLAN - BENEFITS SUMMARY	MN	$468K	$69K	BCBSMN, INC. D.B.A. BLUE CROSS AND BLUE SHIELD OF MINNESOTA