Welfare broker

FINANCIAL DESIGNS INC

Mailing address (most recent filing)

8000 NW 7TH STREET, SUITE 201

MIAMI, FL 33126

Total comp: $1.2M
Commissions: $1.1M
Fees: $114K
Filings: 14
Sponsors: 14

Carrier mix

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

UNITEDHEALTHCARE INSURANCE COMPANY50.0%
ALLIANCE HEALTH AND LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$958K	50.0%
ALLIANCE HEALTH AND LIFE INSURANCE COMPANY	1	$1.5M	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
MI	1	$1.5M	0.0%	20.58x
FL	1	$958K	0.0%	12.70x

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 FINANCIAL DESIGNS INC's plans by broker comp / premium ratio. Median 5.91% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where FINANCIAL DESIGNS INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
FINANCIAL DESIGNS, INC. FINANCIAL DESIGNS, INC.	MI	$1.5M	$95K	ALLIANCE HEALTH AND LIFE INSURANCE COMPANY
COOPER GENERAL GLOBAL SERVICES, INC. COOPER GENERAL GLOBAL SERVICES, INC. HEALTH, DENTAL, AND VISION BENEFITS PLAN	FL	$958K	$54K	UNITEDHEALTHCARE INSURANCE COMPANY

Carrier

Plans

Premium

UNITEDHEALTHCARE INSURANCE COMPANY

$958K

50.0%

ALLIANCE HEALTH AND LIFE INSURANCE COMPANY

$1.5M

50.0%

State

Plans

Premium

State share

Index

$1.5M

0.0%

20.58x

$958K

0.0%

12.70x

Sponsor

Loc

Premium

Comp

Carrier

FINANCIAL DESIGNS, INC.

$1.5M

$95K

ALLIANCE HEALTH AND LIFE INSURANCE COMPANY

COOPER GENERAL GLOBAL SERVICES, INC.

COOPER GENERAL GLOBAL SERVICES, INC. HEALTH, DENTAL, AND VISION BENEFITS PLAN

$958K

$54K

UNITEDHEALTHCARE INSURANCE COMPANY