Welfare broker

ENROLLMENT BENEFIT CONCEPTS LLC

Mailing address (most recent filing)

100 OTTAWA AVENUE SW

GRAND RAPIDS, MI 49503

Total comp: $592K
Commissions: $586K
Fees: $6K
Filings: 12
Sponsors: 12

Carrier mix

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

STANDARD INSURANCE COMPANY50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
STANDARD INSURANCE COMPANY	1	$10.6M	50.0%
BLUE CROSS OF CALIFORNIA	1	$3.7M	50.0%

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
VA	1	$10.6M	0.0%	22.94x
PA	1	$3.7M	0.0%	11.99x

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 ENROLLMENT BENEFIT CONCEPTS LLC's plans by broker comp / premium ratio. Median 8.66% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where ENROLLMENT BENEFIT CONCEPTS LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
BEACON SALES ACQUISITION, INC. BEACON SALES HEALTH WELFARE PLAN	VA	$10.6M	$1.3M	STANDARD INSURANCE COMPANY
CROTON HOLDING COMPANY CROTON EMPLOYEE HEALTH AND WELFARE PLAN	PA	$3.7M	$181K	HIGHMARK, INC.

Carrier

Plans

Premium

STANDARD INSURANCE COMPANY

$10.6M

50.0%

BLUE CROSS OF CALIFORNIA

$3.7M

50.0%

State

Plans

Premium

State share

Index

$10.6M

0.0%

22.94x

$3.7M

0.0%

11.99x

Sponsor

Loc

Premium

Comp

Carrier

BEACON SALES ACQUISITION, INC.

BEACON SALES HEALTH WELFARE PLAN

$10.6M

$1.3M

STANDARD INSURANCE COMPANY

CROTON HOLDING COMPANY

CROTON EMPLOYEE HEALTH AND WELFARE PLAN

$3.7M

$181K

HIGHMARK, INC.