Welfare broker

FREIMARK & ASSOCIATES

Mailing address (most recent filing)

PO BOX 784

WATERTOWN, SD 57201

Carrier mix

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

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
VISION SERVICE PLAN	1	$0	16.7%
RELIANCE STANDARD LIFE INSURANCE COMPANY	1	$75K	16.7%
PRINCIPAL LIFE INSURANCE COMPANY	1	$138K	16.7%
METROPOLITAN LIFE INSURANCE COMPANY	1	$430K	16.7%
DELTA DENTAL OF CALIFORNIA	1	$0	16.7%
BLUE CROSS OF CALIFORNIA	1	$6.2M	16.7%

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	6	$6.8M	1.9%	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 FREIMARK & ASSOCIATES's plans by broker comp / premium ratio. Median 13.46% vs welfare-wide median 6.29% (n=4).

Prospect-flag exposure · vs market baseline

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

1-6 of 6 sponsors where FREIMARK & ASSOCIATES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
PRAIRIE LAKES HEALTHCARE SYSTEM PRAIRIE LAKES HEALTHCARE SYSTEM LIFE INSURANCE PLAN	SD	$430K	$85K	METROPOLITAN LIFE INSURANCE COMPANY
PRAIRIE LAKES HEALTHCARE SYSTEM PRAIRIE LAKES HEALTHCARE SYSTEM MEDICAL AND PRESCRIPTION PLAN	SD	$6.2M	$30K	WELLMARK BLUE CROSS AND BLUE SHIELD OF SD
HEINZ, INC. HEINZ, INC. LIFE PLAN	SD	$138K	$14K	PRINCIPAL LIFE INSURANCE COMPANY
BUILDING PRODUCTS INC. BUILDING PRODUCTS INC. EMPLOYEE LIFE INSURANCE PLAN	SD	$75K	$13K	RELIANCE STANDARD LIFE INSURANCE COMPANY
PRAIRIE LAKES HEALTHCARE SYSTEM PRAIRIE LAKES HEALTHCARE DELTA DENTAL PLAN	SD	$0	$5K	DELTA DENTAL OF SOUTH DAKOTA
PRAIRIE LAKES HEALTHCARE SYSTEM PRAIRIE LAKES HEALTHCARE GROUP VISION PLAN	SD	$0	$3K	VISION SERVICE PLAN