Welfare broker

MIRIAM AVERY INSURANCE AGENCY

Mailing address (most recent filing)

1690 RIMROCK RD

STE A

BILLING, MT 59102

Total comp: $192K
Commissions: $192K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

Where MIRIAM AVERY INSURANCE AGENCY 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	2	$5.0M	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
MT	2	$5.0M	0.8%	434.38x

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 MIRIAM AVERY INSURANCE AGENCY's plans by broker comp / premium ratio. Median 4.62% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of MIRIAM AVERY INSURANCE AGENCY's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where MIRIAM AVERY INSURANCE AGENCY is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
MENHOLT AUTOMOTIVE GROUP MENHOLT AUTOMOTIVE GROUP HEALTH PLAN	MT	$3.8M	$167K	BLUECROSS BLUESHIELD OF MONTANA
VALLEY FINANCIAL CREDIT UNION VALLEY FINANCIAL CREDIT UNION HEALTH PLAN	MT	$1.2M	$57K	BLUE CROSS BLUE SHIELD

Carrier

Plans

Premium

BLUE CROSS OF CALIFORNIA

$5.0M

100.0%

State

Plans

Premium

State share

Index

$5.0M

0.8%

434.38x

Sponsor

Loc

Premium

Comp

Carrier

MENHOLT AUTOMOTIVE GROUP

MENHOLT AUTOMOTIVE GROUP HEALTH PLAN

$3.8M

$167K

BLUECROSS BLUESHIELD OF MONTANA

VALLEY FINANCIAL CREDIT UNION

VALLEY FINANCIAL CREDIT UNION HEALTH PLAN

$1.2M

$57K

BLUE CROSS BLUE SHIELD