Welfare broker

LENZ & ASSOCIATES INC

Mailing address (most recent filing)

201 E COURT ST

LUDINGTON, MI 49431

Total comp: $39K
Commissions: $38K
Fees: $1K
Filings: 4
Sponsors: 4

Carrier mix

Where LENZ & ASSOCIATES INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

DELTA DENTAL OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
DELTA DENTAL OF CALIFORNIA	1	$232K	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	$232K	0.0%	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 LENZ & ASSOCIATES INC's plans by broker comp / premium ratio. Median 9.24% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of LENZ & ASSOCIATES INC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where LENZ & ASSOCIATES INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
WESTERN LAND SERVICES INC INSURANCE WELFARE PLAN WESTERN LAND SERVICES INC	MI	$232K	$21K	DELTA DENTAL OF MICHIGAN