Welfare broker

ESTEL HOFFARD

Mailing address (most recent filing)

7582 ROD AND GUN CLUB RD

DUQUOIN, IL 628324109

Total comp: $93K
Commissions: $54K
Fees: $39K
Filings: 3
Sponsors: 3

Carrier mix

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

VISION SERVICE PLAN33.3%
SIHO33.3%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
VISION SERVICE PLAN	1	$33K	33.3%
SIHO	1	$0	33.3%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$395K	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
IL	3	$428K	0.1%	28.47x

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 ESTEL HOFFARD's plans by broker comp / premium ratio. Median 8.85% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
FERRELL HOSPITAL COMMUNITY FOUNDATION FERRELL HOSPITAL COMMUNITY FOUNDATION LIFE INSURANCE PLAN	IL	$395K	$52K	GUARDIAN
FERRELL HOSPITAL COMMUNITY FOUNDATION FERRELL HOSPITAL COMMUNITY FOUNDATION HEALTHCARE PLAN	IL	$0	$39K	SIHO
FERRELL HOSPITAL COMMUNITY FOUNDATION FERRELL HOSPITAL COMMUNITY FOUNDATION VISION PLAN	IL	$33K	$1K	VISION SERVICE PLAN

Carrier

Plans

Premium

VISION SERVICE PLAN

$33K

33.3%

SIHO

33.3%

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

$395K

33.3%

State

Plans

Premium

State share

Index

$428K

0.1%

28.47x

Sponsor

Loc

Premium

Comp

Carrier

FERRELL HOSPITAL COMMUNITY FOUNDATION

FERRELL HOSPITAL COMMUNITY FOUNDATION LIFE INSURANCE PLAN

$395K

$52K

GUARDIAN

FERRELL HOSPITAL COMMUNITY FOUNDATION

FERRELL HOSPITAL COMMUNITY FOUNDATION HEALTHCARE PLAN

$39K

SIHO

FERRELL HOSPITAL COMMUNITY FOUNDATION

FERRELL HOSPITAL COMMUNITY FOUNDATION VISION PLAN

$33K

$1K

VISION SERVICE PLAN