Welfare broker

KEITH W VARHOL

Mailing address (most recent filing)

38233 MOUND ROAD BUILDING F

STERLING HEIGHTS, MI 48310

Total comp: $107K
Commissions: $60K
Fees: $47K
Filings: 1
Sponsors: 1

Carrier mix

Where KEITH W VARHOL places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

BLUE CROSS OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	1	$911K	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
MI	1	$911K	0.0%	41.19x

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 KEITH W VARHOL's plans by broker comp / premium ratio. Median 16.30% vs welfare-wide median 6.35% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where KEITH W VARHOL is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
RELIABLE CARRIERS, INC. RELIABLE MOVING AND STORAGE CAFETERIA PLAN	MI	$911K	$148K	BLUE CROSS BLUE SHIELD OF MICHIGAN