Welfare broker

MIDWEST HERITAGE INSURANCE SERVICES

Mailing address (most recent filing)

3580 EP TRUE PARKWAY

WEST DES MOINES, IA 50265

Total comp: $30K
Commissions: $30K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

Where MIDWEST HERITAGE INSURANCE SERVICES places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

METROPOLITAN LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
METROPOLITAN LIFE INSURANCE COMPANY	1	$698K	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
IN	1	$698K	0.0%	31.63x

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 MIDWEST HERITAGE INSURANCE SERVICES's plans by broker comp / premium ratio. Median 4.45% vs welfare-wide median 6.35% (n=1).

Prospect-flag exposure · vs market baseline

Share of MIDWEST HERITAGE INSURANCE SERVICES's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where MIDWEST HERITAGE INSURANCE SERVICES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
INDIANA GROCERY GROUP LLC INDIANA GROCERY GROUP LLC EMPLOYEE BENEFITS PLAN	IN	$698K	$31K	METROPOLITAN INSURANCE COMPANY