Welfare broker

JOHNSON INSURANCE CONSULTANTS

Mailing address (most recent filing)

SUITE 400

302 W SUPERIOR ST

DULUTH, MN 55802

Total comp: $190K
Commissions: $189K
Fees: $242
Filings: 10
Sponsors: 10

Carrier mix

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

LIFE INSURANCE COMPANY OF NORTH AMERICA75.0%
BLUE CROSS OF CALIFORNIA25.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
LIFE INSURANCE COMPANY OF NORTH AMERICA	3	$1.8M	75.0%
BLUE CROSS OF CALIFORNIA	1	$3.7M	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
WI	3	$1.8M	0.1%	39.81x
MN	1	$3.7M	0.0%	12.54x

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 JOHNSON INSURANCE CONSULTANTS's plans by broker comp / premium ratio. Median 7.01% vs welfare-wide median 6.29% (n=4).

Prospect-flag exposure · vs market baseline

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

1-4 of 4 sponsors where JOHNSON INSURANCE CONSULTANTS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
MICHELS CORPORATION MICHELS CORPORATION LIFE INSURANCE PLAN	WI	$779K	$47K	LIFE INSURANCE COMPANY OF NORTH AMERICA
MICHELS CORPORATION MICHELS CORPORATION LONG TERM DISABILITY INSURANCE PLAN	WI	$517K	$41K	LIFE INSURANCE COMPANY OF NORTH AMERICA
MICHELS CORPORATION MICHELS CORPORATION SHORT TERM DISABILITY PLAN	WI	$503K	$40K	LIFE INSURANCE COMPANY OF NORTH AMERICA
LHB, INC LHB, INC WELFARE PLAN	MN	$3.7M	$6K	BLUE CROSS AND BLUE SHIELD OF MINNESOTA

Carrier

Plans

Premium

LIFE INSURANCE COMPANY OF NORTH AMERICA

$1.8M

75.0%

BLUE CROSS OF CALIFORNIA

$3.7M

25.0%

State

Plans

Premium

State share

Index

$1.8M

0.1%

39.81x

$3.7M

0.0%

12.54x

Sponsor

Loc

Premium

Comp

Carrier

MICHELS CORPORATION

MICHELS CORPORATION LIFE INSURANCE PLAN

$779K

$47K

LIFE INSURANCE COMPANY OF NORTH AMERICA

MICHELS CORPORATION

MICHELS CORPORATION LONG TERM DISABILITY INSURANCE PLAN

$517K

$41K

LIFE INSURANCE COMPANY OF NORTH AMERICA

MICHELS CORPORATION

MICHELS CORPORATION SHORT TERM DISABILITY PLAN

$503K

$40K

LIFE INSURANCE COMPANY OF NORTH AMERICA

LHB, INC

LHB, INC WELFARE PLAN

$3.7M

$6K

BLUE CROSS AND BLUE SHIELD OF MINNESOTA