Welfare broker

MICHELLE SCHAFER

Mailing address (most recent filing)

1102 NOTTINGHAM RD

ENID, OK 737033135

Total comp: $8K
Commissions: $8K
Fees: $163
Filings: 1
Sponsors: 1

Carrier mix

Where MICHELLE SCHAFER 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	1	$1.4M	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
OK	1	$1.4M	0.1%	123.05x

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 MICHELLE SCHAFER's plans by broker comp / premium ratio. Median 1.70% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where MICHELLE SCHAFER is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
WHEELER BROTHERS GRAIN COMPANY, LLC WHEELER BROTHERS GRAIN COMPANY, LLC FLEXIBLE SPENDING PLAN	OK	$1.4M	$24K	BLUE CROSS BLUE SHIELD OF OKLAHOMA