Welfare broker

MICHELLE WILLARD

Mailing address (most recent filing)

811 MADISON AVENUE

TOLEDO, OH 43604

Total comp: $172K
Commissions: $172K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

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

PRIORITY HEALTH100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PRIORITY HEALTH	2	$4.6M	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
MI	2	$4.6M	0.1%	41.16x

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 WILLARD's plans by broker comp / premium ratio. Median 4.02% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where MICHELLE WILLARD is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
DICASTAL NORTH AMERICA, INC. DICASTAL NORTH AMERICA, INC. EMPLOYEE BENEFITS PLAN	MI	$2.9M	$93K	PRIORITY HEALTH
DLG INTERNATIONAL, INC. DBA DICASTAL LOGISTICS GROUP DLG INTERNATIONAL, INC. DBA DICASTAL LOGISTICS GROUP EMPLOYEE BENEFITS PLAN	MI	$1.7M	$82K	PRIORITY HEALTH INSURANCE COMPANY