Welfare broker

HEMMELGARN BENEFITS, LLC

Mailing address (most recent filing)

PO BOX 23

MINSTER, OH 45865

Total comp: $80K
Commissions: $74K
Fees: $6K
Filings: 4
Sponsors: 4

Carrier mix

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

RELIANCE STANDARD LIFE INSURANCE COMPANY50.0%
PRINCIPAL LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
RELIANCE STANDARD LIFE INSURANCE COMPANY	1	$734K	50.0%
PRINCIPAL LIFE INSURANCE COMPANY	1	$217K	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
OH	2	$951K	0.0%	7.72x

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 HEMMELGARN BENEFITS, LLC's plans by broker comp / premium ratio. Median 17.69% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
MERCER HEALTH MEDICAL GROUP MERCER HEALTH MEDICAL GROUP PLAN	OH	$734K	$128K	RELIANCE STANDARD LIFE INSURANCE COMPANY
SIGNATURE PARTNERS, INC. SIGNATURE PARTNERS, INC. HEALTH PLAN	OH	$217K	$39K	PRINCIPAL LIFE INSURANCE COMPANY

Carrier

Plans

Premium

RELIANCE STANDARD LIFE INSURANCE COMPANY

$734K

50.0%

PRINCIPAL LIFE INSURANCE COMPANY

$217K

50.0%

State

Plans

Premium

State share

Index

$951K

0.0%

7.72x

Sponsor

Loc

Premium

Comp

Carrier

MERCER HEALTH MEDICAL GROUP

MERCER HEALTH MEDICAL GROUP PLAN

$734K

$128K

RELIANCE STANDARD LIFE INSURANCE COMPANY

SIGNATURE PARTNERS, INC.

SIGNATURE PARTNERS, INC. HEALTH PLAN

$217K

$39K

PRINCIPAL LIFE INSURANCE COMPANY