Welfare broker

INSURANCE CONSULTING ASSOCIATES LLC

Mailing address (most recent filing)

30600 NORTHWESTERN HIGHWAY

SUITE 200

FARMINGTON HILLS, MI 48334

Total comp: $905K
Commissions: $741K
Fees: $164K
Filings: 45
Sponsors: 45

Carrier mix

Where INSURANCE CONSULTING ASSOCIATES LLC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNUM LIFE INSURANCE COMPANY OF AMERICA25.0%
UNITEDHEALTHCARE INSURANCE COMPANY25.0%
PRINCIPAL LIFE INSURANCE COMPANY25.0%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA25.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$2.2M	25.0%
UNITEDHEALTHCARE INSURANCE COMPANY	1	$393K	25.0%
PRINCIPAL LIFE INSURANCE COMPANY	1	$69K	25.0%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$48K	25.0%

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	4	$2.7M	0.1%	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 INSURANCE CONSULTING ASSOCIATES LLC's plans by broker comp / premium ratio. Median 10.36% vs welfare-wide median 6.29% (n=4).

Prospect-flag exposure · vs market baseline

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

1-4 of 4 sponsors where INSURANCE CONSULTING ASSOCIATES LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
BERKSHIRE PRODUCTION SUPPLY, LLC BERKSHIRE PRODUCTION SUPPLY, LLC WRAP PLAN	MI	$2.2M	$290K	UNUM LIFE INSURANCE COMPANY OF AMERICA
SUMMIT PLASTIC MOLDING, INC. SUMMIT PLASTIC MOLDING HEALTH AND LIFE INSURANCE PLAN	MI	$393K	$17K	UNITEDHEALTHCARE INSURANCE COMPANY
DELTA INDUSTRIAL GROUP, INC. DELTA INDUSTRIAL GROUP, INC EMPLOYEE WELFARE PLAN	MI	$69K	$11K	PRINCIPAL LIFE INSURANCE COMPANY
SUMMIT PLASTIC MOLDING, INC. SUMMIT PLASTIC MOLDING INC EMPLOYEE DENTAL LIFE AND SHORT TERM DISABILITY PLAN	MI	$48K	$4K	GUARDIAN LIFE INSURANCE COMPANY OF AMERICA