Welfare broker

KAREN HARMER

Mailing address (most recent filing)

2581 EAST GOLDEN EYE DRIVE

SANDY, UT 84093

Total comp: $232K
Commissions: $232K
Fees: $96
Filings: 11
Sponsors: 11

Carrier mix

Where KAREN HARMER 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	2	$2.0M	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
UT	2	$2.0M	0.2%	131.45x

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 KAREN HARMER's plans by broker comp / premium ratio. Median 20.84% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where KAREN HARMER is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
LHMSH, LLC LHMSH, LLC GROUP HEALTH PLAN	UT	$996K	$212K	UNITED OF OMAHA LIFE INSURANCE COMPANY
LHM ADM BEN, INC. LARRY H MILLER ASSOCIATES WELFARE BENEFITS PLAN	UT	$1.0M	$207K	UNITED OF OMAHA LIFE INSURANCE COMPANY