Welfare broker

MICHELSEN BENEFITS GROUP, INC.

Mailing address (most recent filing)

1130 BUCHANAN STREET

CHARLOTTE, NC 28203

Total comp: $158K
Commissions: $157K
Fees: $2K
Filings: 2
Sponsors: 2

Carrier mix

Where MICHELSEN BENEFITS GROUP, INC. 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	$4.5M	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
NC	1	$4.5M	0.0%	47.73x

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 MICHELSEN BENEFITS GROUP, INC.'s plans by broker comp / premium ratio. Median 5.28% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of MICHELSEN BENEFITS GROUP, INC.'s book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where MICHELSEN BENEFITS GROUP, INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CATALER NORTH AMERICA CORPORATION CATALER NORTH AMERICA WELFARE PLAN	NC	$4.5M	$239K	BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA