Welfare broker

MODERN BENEFITS SOLUTIONS INC

Mailing address (most recent filing)

2414 S. KATY CT.

SPOKANE, WA 99224

Total comp: $135K
Commissions: $135K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

Where MODERN BENEFITS SOLUTIONS INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITED OF OMAHA LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITED OF OMAHA LIFE INSURANCE COMPANY	1	$275K	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
OR	1	$275K	0.1%	104.57x

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 MODERN BENEFITS SOLUTIONS INC's plans by broker comp / premium ratio. Median 16.14% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where MODERN BENEFITS SOLUTIONS INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
LES SCHWAB INDEPENDENT MEMBER - DEALER EMPLOYEE BENEFITS TRUST EMP BENEFITS PLAN OF THE LES SCHWAB INDEP DEALERS	OR	$275K	$44K	UNITED OF OMAHA LIFE INSURANCE COMPANY

Carrier

Plans

Premium

UNITED OF OMAHA LIFE INSURANCE COMPANY

$275K

100.0%

State

Plans

Premium

State share

Index

$275K

0.1%

104.57x

Sponsor

Loc

Premium

Comp

Carrier

LES SCHWAB INDEPENDENT MEMBER - DEALER EMPLOYEE BENEFITS TRUST

EMP BENEFITS PLAN OF THE LES SCHWAB INDEP DEALERS

$275K

$44K

UNITED OF OMAHA LIFE INSURANCE COMPANY