Welfare broker

MELISSA WIDUCKI

Mailing address (most recent filing)

3648 COUNTY RD W

CRANDON, WI 54520

Total comp: $5K
Commissions: $4K
Fees: $239
Filings: 3
Sponsors: 3

Carrier mix

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

AFLAC100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
AFLAC	1	$118K	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
WI	1	$118K	0.0%	53.08x

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 MELISSA WIDUCKI's plans by broker comp / premium ratio. Median 11.25% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where MELISSA WIDUCKI is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
VALUE ADDED DISTRIBUTORS LLC VALUE ADDED DISTRIBUTORS WELFARE BENEFIT PLAN	WI	$118K	$13K	AFLAC