Welfare broker

MICHAEL S BAKER

Mailing address (most recent filing)

5006 NORTHWEST WAY

HURRICANE, WV 25526

Total comp: $215K
Commissions: $215K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

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

BLUE CROSS OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	2	$7.2M	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
WV	2	$7.2M	0.5%	276.63x

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 S BAKER's plans by broker comp / premium ratio. Median 4.94% vs welfare-wide median 6.40% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where MICHAEL S BAKER is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
PRESTERA CENTER FOR MENTAL HEALTH SERVICES, INC. PRESTERA CENTER FOR MENTAL HEALTH SERVICES, INC. HEALTH AND WELFARE PLAN	WV	$4.9M	$198K	HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA
BOWLES RICE LLP BOWLES RICE HEALTH AND WELFARE PLAN	WV	$2.2M	$131K	HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA

Carrier

Plans

Premium

BLUE CROSS OF CALIFORNIA

$7.2M

100.0%

State

Plans

Premium

State share

Index

$7.2M

0.5%

276.63x

Sponsor

Loc

Premium

Comp

Carrier

PRESTERA CENTER FOR MENTAL HEALTH SERVICES, INC.

PRESTERA CENTER FOR MENTAL HEALTH SERVICES, INC. HEALTH AND WELFARE PLAN

$4.9M

$198K

HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA

BOWLES RICE LLP

BOWLES RICE HEALTH AND WELFARE PLAN

$2.2M

$131K

HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA