Welfare broker

DEWEY INSURANCE AGENCY

Mailing address (most recent filing)

PO BOX 640

KALKASKA, MI 49646

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

Carrier mix

Where DEWEY INSURANCE AGENCY places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY	1	$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
MI	1	$42K	0.0%	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 DEWEY INSURANCE AGENCY's plans by broker comp / premium ratio. Median 11.77% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where DEWEY INSURANCE AGENCY is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
SHORELINE POWER SERVICES, INC. SHORELINE POWER SERVICES, INC. LIFE AND DISABILITY PLAN	MI	$42K	$5K	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY