Welfare broker

DIRECT BENEFITS INC

Mailing address (most recent filing)

55 EAST 5TH STREET, SUITE 500

SAINT PAUL, MN 55101

Total comp: $101K
Commissions: $101K
Fees: $0
Filings: 45
Sponsors: 45

Carrier mix

Where DIRECT BENEFITS INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

FIDELITY SECURITY LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
FIDELITY SECURITY LIFE INSURANCE COMPANY	1	$31K	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
IA	1	$31K	0.1%	105.23x

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 DIRECT BENEFITS INC's plans by broker comp / premium ratio. Median 8.03% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where DIRECT BENEFITS INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ORA ORTHOPEDICS, P.C. ORA ORTHOPEDICS GROUP VISION PLAN	IA	$31K	$2K	FIDELITY SECURITY LIFE INSURANCE COMPANY