Welfare broker

MAHOWALD INSURANCE AGENCY

Mailing address (most recent filing)

916 W ST GERMAIN ST #100

ST CLOUD, MN 56301

Total comp: $112K
Commissions: $75K
Fees: $38K
Filings: 11
Sponsors: 11

Carrier mix

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

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$317K	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
MN	1	$317K	0.0%	50.15x

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 MAHOWALD INSURANCE AGENCY's plans by broker comp / premium ratio. Median 3.54% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where MAHOWALD INSURANCE AGENCY is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ALL FLEX SOLUTIONS, INC. ALL FLEX SOLUTIONS, INC. LIFE AND DISABILITY PLAN	MN	$317K	$11K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA