Welfare broker

HERMAN H KLINGELHOFER

Mailing address (most recent filing)

638 DETROIT AVE

LAKE ORION, MI 48362

Total comp: $73K
Commissions: $73K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

Where HERMAN H KLINGELHOFER places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITED OF OMAHA LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITED OF OMAHA LIFE INSURANCE COMPANY	1	$668K	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
MI	1	$668K	0.0%	41.16x

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 HERMAN H KLINGELHOFER's plans by broker comp / premium ratio. Median 7.26% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of HERMAN H KLINGELHOFER's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where HERMAN H KLINGELHOFER is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
SMR AUTOMOTIVE SYSTEMS USA INC. SMR AUTOMOTIVE SYSTEMS USA, INC. HEALTH AND WELFARE PLAN	MI	$668K	$49K	UNITED OF OMAHA LIFE INSURANCE COMPANY