Welfare broker

M. FINANCIAL HOLDINGS INCORPORATED

Mailing address (most recent filing)

1125 COUCH STREET, SUITE 900

PORTLAND, OR 97209

Total comp: $385K
Commissions: $296K
Fees: $89K
Filings: 21
Sponsors: 21

Carrier mix

Where M. FINANCIAL HOLDINGS INCORPORATED places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

CIGNA HEALTH AND LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$3.0M	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
NJ	1	$3.0M	0.0%	46.37x

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 M. FINANCIAL HOLDINGS INCORPORATED's plans by broker comp / premium ratio. Median 10.36% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of M. FINANCIAL HOLDINGS INCORPORATED's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where M. FINANCIAL HOLDINGS INCORPORATED is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
VALUEMOMENTUM, INC. VALUEMOMENTUM, INC. HEALTH & WELFARE PLAN	NJ	$3.0M	$307K	CIGNA HEALTH AND LIFE INSURANCE COMPANY

Carrier

Plans

Premium

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$3.0M

100.0%

State

Plans

Premium

State share

Index

$3.0M

0.0%

46.37x

Sponsor

Loc

Premium

Comp

Carrier

VALUEMOMENTUM, INC.

VALUEMOMENTUM, INC. HEALTH & WELFARE PLAN

$3.0M

$307K

CIGNA HEALTH AND LIFE INSURANCE COMPANY