Welfare broker

MODERN FINANCIAL LLC

Mailing address (most recent filing)

20220 ELK CREEK DRIVE EAST

COLORADO SPRINGS, CO 80908

Total comp: $46K
Commissions: $38K
Fees: $8K
Filings: 3
Sponsors: 3

Carrier mix

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

STANDARD INSURANCE COMPANY66.7%
VISION SERVICE PLAN33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
STANDARD INSURANCE COMPANY	2	$301K	66.7%
VISION SERVICE PLAN	1	$20K	33.3%

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
CO	3	$321K	0.2%	81.26x

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 FINANCIAL LLC's plans by broker comp / premium ratio. Median 13.34% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where MODERN FINANCIAL LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
PEAK DENTAL SERVICES, LLC PEAK DENTAL SERVICES LIFE PLAN	CO	$84K	$33K	STANDARD INSURANCE COMPANY
NURSING & THERAPY SERVICES OF COLORADO NURSING & THERAPY SERVICES OF COLORADO HEALTH & WELFARE PLAN	CO	$217K	$29K	STANDARD INSURANCE COMPANY
PEAK DENTAL SERVICES, LLC PEAK DENTAL SERVICES VISION PLAN	CO	$20K	$1K	VISION SERVICE PLAN

Carrier

Plans

Premium

STANDARD INSURANCE COMPANY

$301K

66.7%

VISION SERVICE PLAN

$20K

33.3%

State

Plans

Premium

State share

Index

$321K

0.2%

81.26x

Sponsor

Loc

Premium

Comp

Carrier

PEAK DENTAL SERVICES, LLC

PEAK DENTAL SERVICES LIFE PLAN

$84K

$33K

STANDARD INSURANCE COMPANY

NURSING & THERAPY SERVICES OF COLORADO

NURSING & THERAPY SERVICES OF COLORADO HEALTH & WELFARE PLAN

$217K

$29K

STANDARD INSURANCE COMPANY

PEAK DENTAL SERVICES, LLC

PEAK DENTAL SERVICES VISION PLAN

$20K

$1K

VISION SERVICE PLAN