Welfare broker

LOIS CLODFELTER

Mailing address (most recent filing)

516 HAYMORE AVENUE N

WORTHINGTON, OH 43085

Total comp: $40K
Commissions: $40K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

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

PAN-AMERICAN LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PAN-AMERICAN LIFE INSURANCE COMPANY	1	$1.2M	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
NC	1	$1.2M	0.0%	47.73x

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 LOIS CLODFELTER's plans by broker comp / premium ratio. Median 8.12% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where LOIS CLODFELTER is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
NORTH CAROLINA RATE BUREAU NCRB/NCRF/NCIGA HEALTH BENEFITS PLAN	NC	$1.2M	$96K	PAN AMERICAN LIFE INSURANCE CO.