Welfare broker

EMPLOYEE NAVIGATOR, LLC

Mailing address (most recent filing)

1430 SPRING HILL ROAD, SUITE 320

MCLEAN, VA 22102

Carrier mix

Where EMPLOYEE NAVIGATOR, 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
ANTHEM LIFE INSURANCE COMPANY	2	$1.4M	22.2%
WILLAMETTE DENTAL INSURANCE, INC.	1	$139K	11.1%
VISION SERVICE PLAN	1	$49K	11.1%
UNITEDHEALTHCARE INSURANCE COMPANY	1	$2.6M	11.1%
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY	1	$215K	11.1%
BLUE CROSS OF CALIFORNIA	1	$3.8M	11.1%
AMERICAN HERITAGE LIFE INSURANCE COMPANY	1	$122K	11.1%
AETNA LIFE INSURANCE COMPANY	1	$2.0M	11.1%

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
UT	3	$2.3M	0.3%	43.82x
WA	1	$2.6M	0.1%	6.86x
VA	1	$642K	0.0%	5.10x
TN	1	$49K	0.1%	7.21x
OR	1	$139K	0.1%	11.62x
MA	1	$3.8M	0.0%	5.14x
IN	1	$777K	0.0%	3.77x

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 NAVIGATOR, LLC's plans by broker comp / premium ratio. Median 2.26% vs welfare-wide median 6.29% (n=9).

Prospect-flag exposure · vs market baseline

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

1-9 of 9 sponsors where EMPLOYEE NAVIGATOR, LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
FORSGREN ASSOCIATES, INC. FORSGREN ASSOCIATES, INC. HEALTH AND WELCARE PLAN	UT	$2.0M	$45K	AETNA LIFE INSURANCE CO.
AMERICAN ACADEMY HOLDINGS, LLC AMERICAN ACADEMY HOLDINGS, LLC HEALTH & WELFARE BENEFIT PLAN	UT	$215K	$33K	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY
JACKSON OIL & SOLVENTS, INC. JACKSON OIL & SOLVENTS, INC. EMPLOYEE BENEFITS PLAN	IN	$777K	$33K	ANTHEM INSURANCE COMPANIES, INC.
LANDMARK HOTEL GROUP, LLC LANDMARK HOTEL GROUP, LLC EMPLOYEE BENEFITS PLAN	VA	$642K	$29K	HEALTHKEEPERS, INC.
MOTIVHEALTH INSURANCE COMPANY MOTIVHEALTH INSURANCE COMPANY WELFARE BENEFIT PLAN	UT	$122K	$20K	AMERICAN HERITAGE LIFE INSURANCE COMPANY
BACKER EHP, INC BACKER EHP INC. DENTAL AND VISION PLAN	TN	$49K	$246	VISION SERVICE PLAN
PAPILLON AIRWAYS PAPILLON AIRWAYS, INC. WELFARE BENEFIT PLAN	WA	$2.6M	$203	HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE
PARTNER THERAPEUTICS, INC. PARTNER THERAPEUTICS, INC. EMPLOYEE BENEFITS PLAN	MA	$3.8M	$87	BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC.
MENNONITE HOME OF ALBANY, INC. MENNONITE VILLAGE HEALTH PLAN	OR	$139K	$26	WILLAMETTE DENTAL INSURANCE, INC.