Welfare broker

MERGE FINANCIAL SOLUTIONS, LLC

Mailing address (most recent filing)

UNKNOWN

SALT LAKE CITY, UT 84120

Total comp: $606K
Commissions: $606K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

Where MERGE FINANCIAL SOLUTIONS, LLC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY	1	$4.2M	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
UT	1	$4.2M	0.1%	131.45x

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 MERGE FINANCIAL SOLUTIONS, LLC's plans by broker comp / premium ratio. Median 33.87% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of MERGE FINANCIAL SOLUTIONS, LLC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where MERGE FINANCIAL SOLUTIONS, LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
C.R. ENGLAND, INC. C. R. ENGLAND, INC. HEALTH AND WELFARE BENEFIT PLAN	UT	$4.2M	$1.4M	LINCOLN NATIONAL LIFE INSURANCE COMPANY