Welfare broker

GRENFELL INS AND FINANCIAL SERVICES

Mailing address (most recent filing)

UNKNOWN

VICTOR, MT 59875

Total comp: $77K
Commissions: $77K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

Where GRENFELL INS AND FINANCIAL SERVICES 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	2	$3.9M	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
MT	2	$3.9M	0.8%	434.38x

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 GRENFELL INS AND FINANCIAL SERVICES's plans by broker comp / premium ratio. Median 3.39% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of GRENFELL INS AND FINANCIAL SERVICES's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where GRENFELL INS AND FINANCIAL SERVICES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
FARMERS STATE BANK FARMERS STATE BANK MEDICAL PLAN	MT	$1.9M	$65K	BLUECROSS BLUESHIELD OF MONTANA
FARMERS STATE BANK FARMERS STATE BANK DENTAL PLAN	MT	$1.9M	$65K	BLUECROSS BLUESHIELD OF MONTANA

Carrier

Plans

Premium

BLUE CROSS OF CALIFORNIA

$3.9M

100.0%

State

Plans

Premium

State share

Index

$3.9M

0.8%

434.38x

Sponsor

Loc

Premium

Comp

Carrier

FARMERS STATE BANK

FARMERS STATE BANK MEDICAL PLAN

$1.9M

$65K

BLUECROSS BLUESHIELD OF MONTANA

FARMERS STATE BANK

FARMERS STATE BANK DENTAL PLAN

$1.9M

$65K

BLUECROSS BLUESHIELD OF MONTANA