Welfare broker

NAILE PALAJ

Mailing address (most recent filing)

333 INDUSTRIAL DRIVE

ADRIAN, MI 49221

Total comp: $353K
Commissions: $258K
Fees: $95K
Filings: 8
Sponsors: 8

Carrier mix

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

BLUE CROSS OF CALIFORNIA66.7%
BLUE CARE NETWORK OF MICHIGAN33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	2	$4.5M	66.7%
BLUE CARE NETWORK OF MICHIGAN	1	$2.1M	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
MI	3	$6.7M	0.1%	41.19x

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 NAILE PALAJ's plans by broker comp / premium ratio. Median 4.41% vs welfare-wide median 6.35% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where NAILE PALAJ is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
RCO ENGINEERING, INC. RCO EMPLOYEE WELFARE PLAN	MI	$782K	$159K	BLUE CROSS BLUE SHIELD OF MICHIGAN
POWER VAC, LLC POWER VAC, LLC WELFARE BENEFIT PLAN	MI	$3.7M	$137K	BLUE CROSS BLUE SHIELD OF MICHIGAN
AMERITI MANUFACTURING COMPANY AMERITI MANUFACTURING COMPANY WELFARE BENEFITS PLAN	MI	$2.1M	$95K	BLUE CARE NETWORK OF MICHIGAN

Carrier

Plans

Premium

BLUE CROSS OF CALIFORNIA

$4.5M

66.7%

BLUE CARE NETWORK OF MICHIGAN

$2.1M

33.3%

State

Plans

Premium

State share

Index

$6.7M

0.1%

41.19x

Sponsor

Loc

Premium

Comp

Carrier

RCO ENGINEERING, INC.

RCO EMPLOYEE WELFARE PLAN

$782K

$159K

BLUE CROSS BLUE SHIELD OF MICHIGAN

POWER VAC, LLC

POWER VAC, LLC WELFARE BENEFIT PLAN

$3.7M

$137K

BLUE CROSS BLUE SHIELD OF MICHIGAN

AMERITI MANUFACTURING COMPANY

AMERITI MANUFACTURING COMPANY WELFARE BENEFITS PLAN

$2.1M

$95K

BLUE CARE NETWORK OF MICHIGAN