Welfare broker

MICHAEL A VASIL

Mailing address (most recent filing)

151 S 500 W

VALPARAISO, IN 46385

Total comp: $164K
Commissions: $164K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

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

BLUE CROSS OF CALIFORNIA66.7%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	2	$3.0M	66.7%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$928K	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
IL	3	$3.9M	0.1%	28.47x

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 MICHAEL A VASIL's plans by broker comp / premium ratio. Median 4.28% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where MICHAEL A VASIL is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
NATIONAL INSURANCE CRIME BUREAU NATIONAL INSURANCE CRIME BUREAU GROUP INSURANCE PLAN	IL	$1.2M	$80K	HEALTH CARE SERVICE CORPORATION
FLORSTAR SALES, INC. FLORSTAR SALES, INC. WELFARE BENEFIT PLAN	IL	$1.8M	$77K	BLUECROSS BLUESHIELD OF ILLINOIS
NATIONAL INSURANCE CRIME BUREAU NATIONAL INSURANCE CRIME BUREAU ACCIDENT CANCER VOLUNTARY CRITICAL ILLINESS	IL	$928K	$7K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

Carrier

Plans

Premium

BLUE CROSS OF CALIFORNIA

$3.0M

66.7%

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

$928K

33.3%

State

Plans

Premium

State share

Index

$3.9M

0.1%

28.47x

Sponsor

Loc

Premium

Comp

Carrier

NATIONAL INSURANCE CRIME BUREAU

NATIONAL INSURANCE CRIME BUREAU GROUP INSURANCE PLAN

$1.2M

$80K

HEALTH CARE SERVICE CORPORATION

FLORSTAR SALES, INC.

FLORSTAR SALES, INC. WELFARE BENEFIT PLAN

$1.8M

$77K

BLUECROSS BLUESHIELD OF ILLINOIS

NATIONAL INSURANCE CRIME BUREAU

NATIONAL INSURANCE CRIME BUREAU ACCIDENT CANCER VOLUNTARY CRITICAL ILLINESS

$928K

$7K

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA