Welfare broker

EMPLOYEE BENEFIT DESIGN LLC

Mailing address (most recent filing)

1123 E LAKEWOOD ST

SPRINGFIELD, MO 65810

Carrier mix

Where EMPLOYEE BENEFIT DESIGN LLC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HEALTH NET	2	$1.4M	33.3%
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$1.2M	16.7%
UNITEDHEALTHCARE INSURANCE COMPANY	1	$2.4M	16.7%
RELIANCE STANDARD LIFE INSURANCE COMPANY	1	$70K	16.7%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$386K	16.7%

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
MO	6	$5.5M	0.1%	17.86x

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 EMPLOYEE BENEFIT DESIGN LLC's plans by broker comp / premium ratio. Median 12.10% vs welfare-wide median 6.29% (n=6).

Prospect-flag exposure · vs market baseline

Share of EMPLOYEE BENEFIT DESIGN LLC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-6 of 6 sponsors where EMPLOYEE BENEFIT DESIGN LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
LAKE REGIONAL HEALTH SYSTEM LAKE REGIONAL HEALTH SYSTEM WELFARE BENEFIT PLAN	MO	$1.2M	$246K	UNUM LIFE INSURANCE COMPANY OF AMERICA
D3 TECHNICAL SERVICES, LLC D3 TECHNICAL SERVICES, LLC HEALTH & WELFARE BENEFIT PLAN	MO	$2.4M	$77K	UNITEDHEALTHCARE INSURANCE COMPANY
CITIZENS MEMORIAL HEALTH CARE FOUNDATION GROUP SECTION 125 FLEXIBLE BENEFITS,MEDICAL,DENTAL,LIFE, AND LONG TERM DISABILITY PLAN	MO	$386K	$71K	GUARDIAN
WOODS SUPERMARKET WOODS SUPERMARKET HEALTH AND WELFARE PLAN	MO	$987K	$58K	HEALTHY ALLIANCE LIFE INSURANCE COMPANY
PEOPLES COMMUNITY BANK PEOPLES COMMUNITY BANK BENEFIT PLAN	MO	$446K	$24K	HEALTHY ALLIANCE LIFE INSURANCE COMPANY
C.B. MANAGEMENT CO., INC C. B. MANAGEMENT CO., INC. EMPLOYEE DISABILITY PLAN	MO	$70K	$18K	RELIANCE STANDARD