Welfare broker

ND, INC.

Mailing address (most recent filing)

1616 CASSIDY DRIVE

DES MOINES, IA 50315

Total comp: $228K
Commissions: $193K
Fees: $35K
Filings: 1
Sponsors: 1

Carrier mix

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

HEALTHPARTNERS INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HEALTHPARTNERS INSURANCE COMPANY	1	$9.4M	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
IA	1	$9.4M	0.1%	105.23x

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 ND, INC.'s plans by broker comp / premium ratio. Median 2.85% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where ND, INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CONNECTIFY HR LLC CONNECTIFY HR LLC WELFARE BENEFIT PLAN	IA	$9.4M	$269K	HEALTHPARTNERS UNITYPOINT HEALTH