Welfare broker

L B BENEFITS INC

Mailing address (most recent filing)

3901 15TH STREET D

MOLINE, IL 61265

Total comp: $78K
Commissions: $73K
Fees: $5K
Filings: 4
Sponsors: 4

Carrier mix

Where L B BENEFITS INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

DEARBORN LIFE INSURANCE COMPANY50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
DEARBORN LIFE INSURANCE COMPANY	1	$83K	50.0%
BLUE CROSS OF CALIFORNIA	1	$1.6M	50.0%

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
IL	2	$1.7M	0.0%	28.47x

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 L B BENEFITS INC's plans by broker comp / premium ratio. Median 6.57% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of L B BENEFITS INC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where L B BENEFITS INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
GOLD STAR FS, INC GOLD STAR FS, INC EMPLOYEE BENEFITS PLAN	IL	$1.6M	$83K	BLUECROSS BLUESHIELD OF ILLINOIS
FORTRESS BANK FORTRESS BANK GROUP TERM LIFE	IL	$83K	$7K	DEARBORN LIFE INSURANCE COMPANY