Welfare broker

DAVID HANEY

Mailing address (most recent filing)

13196 HOGAN RD

LINDEN, MI 48451

Total comp: $5K
Commissions: $0
Fees: $5K
Filings: 1
Sponsors: 1

Carrier mix

Where DAVID HANEY 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	$1.7M	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	$1.7M	0.0%	41.41x

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 HANEY's plans by broker comp / premium ratio. Median 0.30% vs welfare-wide median 6.31% (n=1).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
JACK DOHENY COMPANIES, INC. JACK DOHENY SUPPLIES, INC. SECTION 125 PLAN	MI	$1.7M	$5K	BLUE CROSS BLUE SHIELD OF MICHIGAN