Welfare broker

HEALTH INSURANCE SERVICES

Mailing address (most recent filing)

4316 RICE LAKE ROAD

DULUTH, MN 55811

Total comp: $148K
Commissions: $144K
Fees: $4K
Filings: 5
Sponsors: 5

Carrier mix

Where HEALTH INSURANCE SERVICES places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITEDHEALTHCARE INSURANCE COMPANY50.0%
KAISER FOUNDATION HEALTH PLAN INC50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$478K	50.0%
KAISER FOUNDATION HEALTH PLAN INC	1	$10.9M	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
PA	1	$478K	0.0%	11.99x
CA	1	$10.9M	0.0%	6.38x

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 HEALTH INSURANCE SERVICES's plans by broker comp / premium ratio. Median 5.94% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of HEALTH INSURANCE SERVICES's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where HEALTH INSURANCE SERVICES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
BOARD OF TRUSTEES, REDWOOD EMPIRE ELECTRICAL WORKERS REDWOOD EMPIRE ELECTRICAL WORKERS HEALTH & WELFARE TRUST	CA	$10.9M	$102K	KAISER FOUNDATION HEALTH PLAN
LONGWOOD GARDENS, INC. LONGWOOD GARDENS, INC. WELFARE BENEFIT PLAN	PA	$478K	$52K	SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC.

Carrier

Plans

Premium

UNITEDHEALTHCARE INSURANCE COMPANY

$478K

50.0%

KAISER FOUNDATION HEALTH PLAN INC

$10.9M

50.0%

State

Plans

Premium

State share

Index

$478K

0.0%

11.99x

$10.9M

0.0%

6.38x

Sponsor

Loc

Premium

Comp

Carrier

BOARD OF TRUSTEES, REDWOOD EMPIRE ELECTRICAL WORKERS

REDWOOD EMPIRE ELECTRICAL WORKERS HEALTH & WELFARE TRUST

$10.9M

$102K

KAISER FOUNDATION HEALTH PLAN

LONGWOOD GARDENS, INC.

LONGWOOD GARDENS, INC. WELFARE BENEFIT PLAN

$478K

$52K

SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC.