Welfare broker

MFC BENEFITS LLC

Mailing address (most recent filing)

1919 GRACE LN

MILFORD, MI 48380

Total comp: $514K
Commissions: $435K
Fees: $79K
Filings: 5
Sponsors: 5

Carrier mix

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

AETNA LIFE INSURANCE COMPANY66.7%
BLUE CROSS OF CALIFORNIA33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
AETNA LIFE INSURANCE COMPANY	2	$36.7M	66.7%
BLUE CROSS OF CALIFORNIA	1	$2.1M	33.3%

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
VA	1	$34.9M	0.0%	15.30x
SC	1	$2.1M	0.1%	41.50x
MI	1	$1.8M	0.0%	13.72x

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 MFC BENEFITS LLC's plans by broker comp / premium ratio. Median 2.97% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where MFC BENEFITS LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
IMAGINE SCHOOLS, INC. IMAGINE SCHOOLS, INC. HEALTH & WELFARE PLAN	VA	$34.9M	$336K	AETNA LIFE INSURANCE CO.
BERTRANDT US, INC. BERTRANDT US, INC.	SC	$2.1M	$110K	BLUE CROSS SHIELD OF SOUTH CAROLINA
THE ROMINE GROUP THE ROMINE GROUP	MI	$1.8M	$53K	AETNA LIFE INSURANCE CO.

Carrier

Plans

Premium

AETNA LIFE INSURANCE COMPANY

$36.7M

66.7%

BLUE CROSS OF CALIFORNIA

$2.1M

33.3%

State

Plans

Premium

State share

Index

$34.9M

0.0%

15.30x

$2.1M

0.1%

41.50x

$1.8M

0.0%

13.72x

Sponsor

Loc

Premium

Comp

Carrier

IMAGINE SCHOOLS, INC.

IMAGINE SCHOOLS, INC. HEALTH & WELFARE PLAN

$34.9M

$336K

AETNA LIFE INSURANCE CO.

BERTRANDT US, INC.

$2.1M

$110K

BLUE CROSS SHIELD OF SOUTH CAROLINA

THE ROMINE GROUP

$1.8M

$53K

AETNA LIFE INSURANCE CO.