Welfare broker

MERIT BENEFIT ADVISORS LLC

Mailing address (most recent filing)

148 SOUTH RIVER AVENUE

SUITE 300

HOLLAND, MI 49423

Total comp: $81K
Commissions: $80K
Fees: $580
Filings: 4
Sponsors: 4

Carrier mix

Where MERIT BENEFIT ADVISORS LLC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

METROPOLITAN LIFE INSURANCE COMPANY50.0%
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
METROPOLITAN LIFE INSURANCE COMPANY	1	$557K	50.0%
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY	1	$412K	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
PA	1	$557K	0.0%	11.99x
MI	1	$412K	0.0%	20.58x

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 MERIT BENEFIT ADVISORS LLC's plans by broker comp / premium ratio. Median 6.95% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of MERIT BENEFIT ADVISORS LLC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where MERIT BENEFIT ADVISORS LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
BRADFORD WHITE CORPORATION BRADFORD WHITE CORPORATION EMPLOYEE BENEFIT PLAN	PA	$557K	$43K	METROPOLIAN LIFE INSURANCE COMPANY
KALAMAZOO ANESTHESIOLOGY P.C. KALAMAZOO ANESTHESIOLOGY HEALTH AND WELFARE PLAN	MI	$412K	$25K	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY

Carrier

Plans

Premium

METROPOLITAN LIFE INSURANCE COMPANY

$557K

50.0%

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY

$412K

50.0%

State

Plans

Premium

State share

Index

$557K

0.0%

11.99x

$412K

0.0%

20.58x

Sponsor

Loc

Premium

Comp

Carrier

BRADFORD WHITE CORPORATION

BRADFORD WHITE CORPORATION EMPLOYEE BENEFIT PLAN

$557K

$43K

METROPOLIAN LIFE INSURANCE COMPANY

KALAMAZOO ANESTHESIOLOGY P.C.

KALAMAZOO ANESTHESIOLOGY HEALTH AND WELFARE PLAN

$412K

$25K

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY