Welfare broker

PAMELA SANDERS INSURANCE AGENCY

Mailing address (most recent filing)

P.O. BOX 909

TRAVERSE CITY, MI 49685

Total comp: $24K
Commissions: $24K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

Where PAMELA SANDERS INSURANCE AGENCY places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

AMERICAN HERITAGE LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
AMERICAN HERITAGE LIFE INSURANCE COMPANY	1	$225K	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
TX	1	$225K	0.0%	16.72x

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 PAMELA SANDERS INSURANCE AGENCY's plans by broker comp / premium ratio. Median 12.56% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of PAMELA SANDERS INSURANCE AGENCY's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where PAMELA SANDERS INSURANCE AGENCY is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
GERMANIA FARM MUTUAL INSURANCE ASSO GERMANIA FARM MUTUAL INSURANCE ASSOCIATION HEALTH PLAN	TX	$225K	$28K	AMERICAN HERITAGE LIFE INSURANCE COMPANY