Welfare broker

OLIVER-VANDYK INS AGENCY INC

Mailing address (most recent filing)

2780 44TH STREET SW

WYOMING, MI 49519

Total comp: $53K
Commissions: $47K
Fees: $6K
Filings: 5
Sponsors: 5

Carrier mix

Where OLIVER-VANDYK INS AGENCY INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

DELTA DENTAL OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
DELTA DENTAL OF CALIFORNIA	1	$292K	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
MI	1	$292K	0.0%	41.16x

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 OLIVER-VANDYK INS AGENCY INC's plans by broker comp / premium ratio. Median 7.93% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where OLIVER-VANDYK INS AGENCY INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
AG BUSINESS SOLUTIONS, L.L.C. AG BUSINESS SOLUTIONS'S GROUP INSURANCE PLAN	MI	$292K	$23K	DELTA DENTAL OF MICHIGAN