Welfare broker

DEBRA A YOUNGS

Mailing address (most recent filing)

1201 BRIARWOOD CIRCLE

ANN ARBOR, MI 48108

Total comp: $434K
Commissions: $434K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

Where DEBRA A YOUNGS places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

BLUE CROSS OF CALIFORNIA66.7%
BLUE CARE NETWORK OF MICHIGAN33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	2	$12.6M	66.7%
BLUE CARE NETWORK OF MICHIGAN	1	$2.3M	33.3%

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	3	$14.9M	0.1%	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 DEBRA A YOUNGS's plans by broker comp / premium ratio. Median 4.70% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where DEBRA A YOUNGS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ADRIAN STEEL COMPANY THE ADRIAN STEEL COMPANY WELFARE BENEFIT PLAN	MI	$10.8M	$509K	BLUE CROSS BLUE SHIELD OF MICHIGAN
GUDEL, INC. GUDEL, INC. WELFARE BENEFITS PLAN	MI	$1.7M	$114K	BLUE CROSS BLUE SHIELD OF MICHIGAN
MICHIGAN ADVOCACY PROGRAM MICHIGAN ADVOCACY PROGRAM WELFARE BENEFITS PLAN	MI	$2.3M	$102K	BLUE CARE NETWORK OF MICHIGAN

Carrier

Plans

Premium

BLUE CROSS OF CALIFORNIA

$12.6M

66.7%

BLUE CARE NETWORK OF MICHIGAN

$2.3M

33.3%

State

Plans

Premium

State share

Index

$14.9M

0.1%

41.16x

Sponsor

Loc

Premium

Comp

Carrier

ADRIAN STEEL COMPANY

THE ADRIAN STEEL COMPANY WELFARE BENEFIT PLAN

$10.8M

$509K

BLUE CROSS BLUE SHIELD OF MICHIGAN

GUDEL, INC.

GUDEL, INC. WELFARE BENEFITS PLAN

$1.7M

$114K

BLUE CROSS BLUE SHIELD OF MICHIGAN

MICHIGAN ADVOCACY PROGRAM

MICHIGAN ADVOCACY PROGRAM WELFARE BENEFITS PLAN

$2.3M

$102K

BLUE CARE NETWORK OF MICHIGAN