Welfare broker

HIGHLAND AND ASSOCIATES, INC.

Mailing address (most recent filing)

25121 FORD ROAD

DEARBORN, MI 48128

Total comp: $138K
Commissions: $138K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

Where HIGHLAND AND ASSOCIATES, INC. places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNION SECURITY INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNION SECURITY INSURANCE COMPANY	1	$1.7M	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
IN	1	$1.7M	0.0%	33.97x

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 HIGHLAND AND ASSOCIATES, INC.'s plans by broker comp / premium ratio. Median 12.08% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of HIGHLAND AND ASSOCIATES, INC.'s book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where HIGHLAND AND ASSOCIATES, INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
BOARD OF TRUSTEES OF THE INDIANA TEAMSTERS HEALTH BENEFITS FUND INDIANA TEAMSTERS HEALTH BENEFITS PLAN	IN	$1.7M	$200K	THE UNION LABOR LIFE INSURANCE COMPANY