Welfare broker

MICHAEL D. HAND

Mailing address (most recent filing)

100 CORPORATE POINTE

CULVER CITY, CA 90230

Total comp: $108K
Commissions: $108K
Fees: $0
Filings: 4
Sponsors: 4

Carrier mix

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

AETNA LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
AETNA LIFE INSURANCE COMPANY	1	$3.7M	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
CA	1	$3.7M	0.0%	12.75x

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 D. HAND's plans by broker comp / premium ratio. Median 5.55% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where MICHAEL D. HAND is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
AVANQUEST NORTH AMERICA, LLC AVANQUEST NORTH AMERICA, LLC WELFARE BENEFITS PLAN	CA	$3.7M	$205K	AETNA LIFE INSURANCE COMPANY