Welfare broker

HSI BENEFIT SYSTEMS, INC

Mailing address (most recent filing)

PO BOX 1710

OSAGE BEACH, MO 65065

Total comp: $89K
Commissions: $89K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

Where HSI BENEFIT SYSTEMS, INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNUM LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$1.0M	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
MO	1	$1.0M	0.0%	17.86x

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 HSI BENEFIT SYSTEMS, INC's plans by broker comp / premium ratio. Median 17.63% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of HSI BENEFIT SYSTEMS, INC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where HSI BENEFIT SYSTEMS, INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
HEALTH SYSTEMS, INC CAFETERIA PLAN FOR THE EMPLOYEES OF HEALTH SYSTEMS, INC	MO	$1.0M	$183K	COLONIAL LIFE & ACCIDENT INSURANCE COMPANY