Welfare broker

KRYSTN CLARK

Mailing address (most recent filing)

35735 MOUND ROAD

STERLING HEIGHTS, MI 483108310

Total comp: $162K
Commissions: $162K
Fees: $0
Filings: 4
Sponsors: 4

Carrier mix

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

BLUE CARE NETWORK OF MICHIGAN66.7%
BLUE CROSS OF CALIFORNIA33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CARE NETWORK OF MICHIGAN	2	$3.6M	66.7%
BLUE CROSS OF CALIFORNIA	1	$2.0M	33.3%

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	3	$5.6M	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 KRYSTN CLARK's plans by broker comp / premium ratio. Median 4.57% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where KRYSTN CLARK is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ORCHARDS CHILDREN'S SERVICES, INC. ORCHARDS CHILDREN'S SERVICES, INC. WELFARE BENEFIT PLAN	MI	$2.1M	$95K	BLUE CARE NETWORK OF MICHIGAN
GLENDALE NEUROLOGICAL ASSOCIATES, P.C. GLENDALE NEUROLOGICAL ASSOCIATES PC DBA MICHIGAN INSTITUTE OF NEUROLOGICAL DISORDERS (M.I.N.D.) HEALTH AND WELFARE BENEFITS PLAN	MI	$2.0M	$86K	BLUE CROSS BLUE SHIELD OF MICHIGAN
H & P TECHNOLOGIES, INC. H & P TECHNOLOGIES WELFARE BENEFIT PLAN	MI	$1.5M	$75K	BLUE CARE NETWORK OF MICHIGAN

Carrier

Plans

Premium

BLUE CARE NETWORK OF MICHIGAN

$3.6M

66.7%

BLUE CROSS OF CALIFORNIA

$2.0M

33.3%

State

Plans

Premium

State share

Index

$5.6M

0.1%

41.16x

Sponsor

Loc

Premium

Comp

Carrier

ORCHARDS CHILDREN'S SERVICES, INC.

ORCHARDS CHILDREN'S SERVICES, INC. WELFARE BENEFIT PLAN

$2.1M

$95K

BLUE CARE NETWORK OF MICHIGAN

GLENDALE NEUROLOGICAL ASSOCIATES, P.C.

GLENDALE NEUROLOGICAL ASSOCIATES PC DBA MICHIGAN INSTITUTE OF NEUROLOGICAL DISORDERS (M.I.N.D.) HEALTH AND WELFARE BENEFITS PLAN

$2.0M

$86K

BLUE CROSS BLUE SHIELD OF MICHIGAN

H & P TECHNOLOGIES, INC.

H & P TECHNOLOGIES WELFARE BENEFIT PLAN

$1.5M

$75K

BLUE CARE NETWORK OF MICHIGAN