Welfare broker

HERITAGE INSURANCE SERVICES CO

Mailing address (most recent filing)

1193 GRAND AVE

MARION, IA 523025216

Total comp: $4K
Commissions: $4K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

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

METROPOLITAN LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
METROPOLITAN LIFE INSURANCE COMPANY	1	$36K	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
IA	1	$36K	0.1%	105.23x

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 HERITAGE INSURANCE SERVICES CO's plans by broker comp / premium ratio. Median 10.58% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where HERITAGE INSURANCE SERVICES CO is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
MAHARISHI INTERNATIONAL UNIVERSITY MAHARISHI INTERNATIONAL UNIVERSITY GROUP LIFE PLAN	IA	$36K	$4K	METROPOLITAN LIFE INSURANCE COMPANY