Welfare broker

FOSTER KLIMA BENEFITS LLC

Mailing address (most recent filing)

222 MINNETONKA AVNUE SOUTH

WAYZATA, MN 55391

Total comp: $42K
Commissions: $42K
Fees: $0
Filings: 15
Sponsors: 15

Carrier mix

Where FOSTER KLIMA BENEFITS LLC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

PRINCIPAL LIFE INSURANCE COMPANY50.0%
DELTA DENTAL OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PRINCIPAL LIFE INSURANCE COMPANY	1	$158K	50.0%
DELTA DENTAL OF CALIFORNIA	1	$40K	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
WI	1	$40K	0.0%	26.54x
MN	1	$158K	0.0%	25.07x

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 FOSTER KLIMA BENEFITS LLC's plans by broker comp / premium ratio. Median 7.93% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where FOSTER KLIMA BENEFITS LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
QUALITY FORKLIFT SALES AND SERVICE, INC. QUALITY FORKLIFT SALES & SERVICE	MN	$158K	$19K	PRINCIPAL LIFE INSURANCE COMPANY
MIDWEST HARDWARE ASSOCIATION INC. MIDWEST HARDWARE ASSOCIATION, INC.	WI	$40K	$2K	DELTA DENTAL OF WISCONSIN

Carrier

Plans

Premium

PRINCIPAL LIFE INSURANCE COMPANY

$158K

50.0%

DELTA DENTAL OF CALIFORNIA

$40K

50.0%

State

Plans

Premium

State share

Index

$40K

0.0%

26.54x

$158K

0.0%

25.07x

Sponsor

Loc

Premium

Comp

Carrier

QUALITY FORKLIFT SALES AND SERVICE, INC.

QUALITY FORKLIFT SALES & SERVICE

$158K

$19K

PRINCIPAL LIFE INSURANCE COMPANY

MIDWEST HARDWARE ASSOCIATION INC.

MIDWEST HARDWARE ASSOCIATION, INC.

$40K

$2K

DELTA DENTAL OF WISCONSIN