Welfare broker

F & M AGENCY INC

Mailing address (most recent filing)

940 10TH AVE

CLARKFIELD, MN 56223

Total comp: $6K
Commissions: $6K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

Where F & M AGENCY INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

BLUE CROSS OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	1	$3.3M	100.0%

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
SD	1	$3.3M	0.3%	362.21x

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 F & M AGENCY INC's plans by broker comp / premium ratio. Median 0.11% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of F & M AGENCY INC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where F & M AGENCY INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CLIFF VIESSMAN, INC. CLIFF VIESSMAN, INC. EMPLOYEE BENEFIT PLAN	SD	$3.3M	$4K	WELLMARK OF SOUTH DAKOTA, INC.