Welfare broker

GRENFELL INS. & FIN. SERVICES, INC.

Mailing address (most recent filing)

PO BOX 191

HAMILTON, WA 59840

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

Carrier mix

Where GRENFELL INS. & FIN. SERVICES, INC. places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

STANDARD INSURANCE COMPANY50.0%
DEARBORN LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
STANDARD INSURANCE COMPANY	1	$59K	50.0%
DEARBORN LIFE INSURANCE COMPANY	1	$27K	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
MT	2	$85K	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. & FIN. SERVICES, INC.'s plans by broker comp / premium ratio. Median 9.59% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where GRENFELL INS. & FIN. SERVICES, INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
FARMERS STATE BANK FARMERS STATE BANK LONG TERM DISABILITY PLAN	MT	$59K	$5K	STANDARD INSURANCE COMPANY
FARMERS STATE BANK FARMERS STATE BANK VISION, LIFE, AND AD&D PLAN	MT	$27K	$3K	DEARBORN LIFE INSURANCE COMPANY

Carrier

Plans

Premium

STANDARD INSURANCE COMPANY

$59K

50.0%

DEARBORN LIFE INSURANCE COMPANY

$27K

50.0%

State

Plans

Premium

State share

Index

$85K

0.8%

434.38x

Sponsor

Loc

Premium

Comp

Carrier

FARMERS STATE BANK

FARMERS STATE BANK LONG TERM DISABILITY PLAN

$59K

$5K

STANDARD INSURANCE COMPANY

FARMERS STATE BANK

FARMERS STATE BANK VISION, LIFE, AND AD&D PLAN

$27K

$3K

DEARBORN LIFE INSURANCE COMPANY