Welfare broker

MIDWESTERN INS ASSOC AGY INC

Mailing address (most recent filing)

PO BOX 410

MINIER, IL 617590410

Total comp: $193K
Commissions: $124K
Fees: $69K
Filings: 10
Sponsors: 10

Carrier mix

Where MIDWESTERN INS ASSOC AGY INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITED HEALTHCARE INSURANCE COMPANY28.6%
PRINCIPAL LIFE INSURANCE COMPANY28.6%
UNITED HEATH CARE INSURANCE COMPANY14.3%
HCC LIFE INSURANCE COMPANY14.3%
BLUE CROSS OF CALIFORNIA14.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITED HEALTHCARE INSURANCE COMPANY	2	$137K	28.6%
PRINCIPAL LIFE INSURANCE COMPANY	2	$130K	28.6%
UNITED HEATH CARE INSURANCE COMPANY	1	$1.5M	14.3%
HCC LIFE INSURANCE COMPANY	1	$430K	14.3%
BLUE CROSS OF CALIFORNIA	1	$1.1M	14.3%

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
IL	7	$3.3M	0.2%	28.47x

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 MIDWESTERN INS ASSOC AGY INC's plans by broker comp / premium ratio. Median 5.49% vs welfare-wide median 6.29% (n=7).

Prospect-flag exposure · vs market baseline

Share of MIDWESTERN INS ASSOC AGY INC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-7 of 7 sponsors where MIDWESTERN INS ASSOC AGY INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
HARBACH, GILLAN & NIXON, INC. HARBACH GILLAN & NIXON INC HEALTH AND WELFARE PLAN	IL	$1.5M	$83K	UNITED HEATH CARE INSURANCE COMPANY
BRANDT INDUSTRIES USA LTD BRANDT INDUSTRIES USA LTD HEALTH PLAN	IL	$1.1M	$44K	BLUE CROSS BLUE SHIELD ILLINOIS
DEMOULIN BROTHERS & COMPANY DEMOULIN BROTHERS & COMPANY EMPLOYEE BENEFITS PLAN	IL	$430K	$14K	HCC LIFE INSURANCE COMPANY
BRANDT INDUSTRIES USA LTD BRANDT INDUSTRIES USA LTD INSURANCES PLAN	IL	$113K	$9K	PRINCIPAL LIFE INSURANCE COMPANY
HELLER FORD SALES, INC. HELLER FORD DENTAL INSURANCE PLAN	IL	$63K	$7K	UNITED HEALTHCARE INSURANCE COMPANY
BRANDT INDUSTRIES USA LTD BRANDT INDUSTRIES USA LTD DENTAL PLAN	IL	$74K	$4K	UNITED HEALTHCARE INSURANCE COMPANY
HELLER FORD SALES, INC. HELLER FORD VISION INSURANCE PLAN	IL	$17K	$2K	PRINCIPAL LIFE INSURANCE COMPANY