Welfare broker

DOUG CALKINS

Mailing address (most recent filing)

56 GRANDVILLE AVENUE SW, SUITE 300

GRAND RAPIDS, MI 49503

Total comp: $193K
Commissions: $193K
Fees: $0
Filings: 9
Sponsors: 9

Carrier mix

Where DOUG CALKINS 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	$2.7M	66.7%
BLUE CARE NETWORK OF MICHIGAN	1	$548K	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	$3.2M	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 DOUG CALKINS's plans by broker comp / premium ratio. Median 3.77% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where DOUG CALKINS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ALLIANCE HEALTH PROFESSIONALS PLLC ALLIANCE HEALTH PROFESSIONALS MEDICAL PLAN	MI	$1.8M	$53K	BLUE CROSS BLUE SHIELD OF MICHIGAN
TALL BROWN DOG LLC TALL BROWN DOG LLC GROUP INSURANCE PLAN	MI	$905K	$47K	BLUE CROSS BLUE SHIELD OF MICHIGAN
MISSION MANAGEMENT SERVICES, INC MISSION MANAGEMENT SERVICES, INC	MI	$548K	$21K	BLUE CARE NETWORK OF MICHIGAN

Carrier

Plans

Premium

BLUE CROSS OF CALIFORNIA

$2.7M

66.7%

BLUE CARE NETWORK OF MICHIGAN

$548K

33.3%

State

Plans

Premium

State share

Index

$3.2M

0.1%

41.16x

Sponsor

Loc

Premium

Comp

Carrier

ALLIANCE HEALTH PROFESSIONALS PLLC

ALLIANCE HEALTH PROFESSIONALS MEDICAL PLAN

$1.8M

$53K

BLUE CROSS BLUE SHIELD OF MICHIGAN

TALL BROWN DOG LLC

TALL BROWN DOG LLC GROUP INSURANCE PLAN

$905K

$47K

BLUE CROSS BLUE SHIELD OF MICHIGAN

MISSION MANAGEMENT SERVICES, INC

$548K

$21K

BLUE CARE NETWORK OF MICHIGAN