Welfare broker

LOUIS MENAGED

Mailing address (most recent filing)

10225 COLLINS AVENUE

APT 203

BAL HARBOUR, FL 33154

Total comp: $101K
Commissions: $10K
Fees: $90K
Filings: 2
Sponsors: 2

Carrier mix

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

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA50.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$14K	50.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$3.1M	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
NY	1	$14K	0.0%	10.00x
MI	1	$3.1M	0.0%	20.56x

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 LOUIS MENAGED's plans by broker comp / premium ratio. Median 7.32% vs welfare-wide median 6.40% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where LOUIS MENAGED is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
VIDA SHOES INTERNATIONAL VIDA SHOES INTERNATIONAL HEALTH PLAN	MI	$3.1M	$166K	CIGNA HEALTH & LIFE INSURANCE COMPANY
VIDA SHOES INTERNATIONAL VIDA SHOES INTERNATIONAL VISION PLAN	NY	$14K	$1K	GUARDIAN

Carrier

Plans

Premium

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

$14K

50.0%

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$3.1M

50.0%

State

Plans

Premium

State share

Index

$14K

0.0%

10.00x

$3.1M

0.0%

20.56x

Sponsor

Loc

Premium

Comp

Carrier

VIDA SHOES INTERNATIONAL

VIDA SHOES INTERNATIONAL HEALTH PLAN

$3.1M

$166K

CIGNA HEALTH & LIFE INSURANCE COMPANY

VIDA SHOES INTERNATIONAL

VIDA SHOES INTERNATIONAL VISION PLAN

$14K

$1K

GUARDIAN