Welfare broker

DISABILITY SPECIALISTS INC

Mailing address (most recent filing)

100 OTTAWA AVENUE SW

GRAND RAPIDS, MI 49503

Total comp: $200K
Commissions: $190K
Fees: $10K
Filings: 6
Sponsors: 6

Carrier mix

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

PRUDENTIAL INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PRUDENTIAL INSURANCE COMPANY OF AMERICA	1	$175K	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
AK	1	$175K	0.6%	753.74x

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 DISABILITY SPECIALISTS INC's plans by broker comp / premium ratio. Median 4.53% vs welfare-wide median 6.31% (n=1).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
COASTAL VILLAGES REGION FUND COASTAL VILLAGES REGION FUND HEALTH & WELFARE BENEFIT PLAN	AK	$175K	$8K	PRUDENTIAL INSURANCE COMPANY OF AMERICA