Welfare broker

PATRIOT GROWTH INSURANCE SERVICES

Mailing address (most recent filing)

CHRISTOPHER MISSETT

3688 WEST LIBERTY

ANN ARBOR, MI 48103

Total comp: $21.7M
Commissions: $16.8M
Fees: $4.9M
Filings: 653
Sponsors: 653

Carrier mix

Where PATRIOT GROWTH INSURANCE SERVICES places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

BLUE CROSS OF CALIFORNIA24.5%
UNITEDHEALTHCARE INSURANCE COMPANY13.2%
CIGNA HEALTH AND LIFE INSURANCE COMPANY12.3%
PRINCIPAL LIFE INSURANCE COMPANY9.5%
KAISER FOUNDATION HEALTH PLAN INC9.5%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA8.2%
AETNA LIFE INSURANCE COMPANY6.8%
HCC LIFE INSURANCE COMPANY6.4%
Other (2)9.5%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	54	$137.9M	24.5%
UNITEDHEALTHCARE INSURANCE COMPANY	29	$47.4M	13.2%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	27	$35.2M	12.3%
PRINCIPAL LIFE INSURANCE COMPANY	21	$5.4M	9.5%
KAISER FOUNDATION HEALTH PLAN INC	21	$40.5M	9.5%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	18	$5.0M	8.2%
AETNA LIFE INSURANCE COMPANY	15	$22.3M	6.8%
HCC LIFE INSURANCE COMPANY	14	$9.0M	6.4%
UNITED OF OMAHA LIFE INSURANCE COMPANY	13	$8.8M	5.9%
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY	8	$1.9M	3.6%

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
CA	54	$101.2M	0.6%	2.27x
VA	43	$52.3M	1.7%	6.49x
GA	27	$28.0M	0.4%	1.35x
PA	21	$7.5M	0.4%	1.66x
AZ	21	$21.3M	1.6%	5.93x
NJ	16	$13.2M	0.6%	2.44x
AL	15	$42.9M	1.4%	5.32x
DE	14	$5.2M	5.0%	18.87x
CO	14	$13.8M	1.0%	3.74x
MA	12	$33.0M	0.5%	1.82x

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 PATRIOT GROWTH INSURANCE SERVICES's plans by broker comp / premium ratio. Median 6.84% vs welfare-wide median 6.29% (n=303).

Prospect-flag exposure · vs market baseline

Share of PATRIOT GROWTH INSURANCE SERVICES's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

301-304 of 304 sponsors where PATRIOT GROWTH INSURANCE SERVICES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
WINDES, INC. WINDES, INC. LIFE INSURANCE PLAN	CA	$14K	$1K	STANDARD INSURANCE COMPANY
BOULDEN SERVICES, LLC BOULDEN SERVICES, LLC EMPLOYEE BENEFIT PLAN	DE	$30K	$305	HM LIFE INSURANCE COMPANY
ADAMS THERMAL SYSTEMS, INC. ADAMS THERMAL SYSTEMS, INC. EMPLOYEE GROUP BENEFIT PLAN	SD	$1.7M	$124	SANFORD HEALTH PLAN
TILE MARKET OF DELAWARE, INC. TILE MARKET OF DELAWARE, INC. EMPLOYEE BENEFIT PLAN	DE	$251K	$0	HM LIFE INSURANCE COMPANY

Carrier

Plans

Premium

BLUE CROSS OF CALIFORNIA

$137.9M

24.5%

UNITEDHEALTHCARE INSURANCE COMPANY

$47.4M

13.2%

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$35.2M

12.3%

PRINCIPAL LIFE INSURANCE COMPANY

$5.4M

9.5%

KAISER FOUNDATION HEALTH PLAN INC

$40.5M

9.5%

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

$5.0M

8.2%

AETNA LIFE INSURANCE COMPANY

$22.3M

6.8%

HCC LIFE INSURANCE COMPANY

$9.0M

6.4%

UNITED OF OMAHA LIFE INSURANCE COMPANY

$8.8M

5.9%

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY

$1.9M

3.6%

State

Plans

Premium

State share

Index

$101.2M

0.6%

2.27x

$52.3M

1.7%

6.49x

$28.0M

0.4%

1.35x

$7.5M

0.4%

1.66x

$21.3M

1.6%

5.93x

$13.2M

0.6%

2.44x

$42.9M

1.4%

5.32x

$5.2M

5.0%

18.87x

$13.8M

1.0%

3.74x

$33.0M

0.5%

1.82x

Sponsor

Loc

Premium

Comp

Carrier

WINDES, INC.

WINDES, INC. LIFE INSURANCE PLAN

$14K

$1K

STANDARD INSURANCE COMPANY

BOULDEN SERVICES, LLC

BOULDEN SERVICES, LLC EMPLOYEE BENEFIT PLAN

$30K

$305

HM LIFE INSURANCE COMPANY

ADAMS THERMAL SYSTEMS, INC.

ADAMS THERMAL SYSTEMS, INC. EMPLOYEE GROUP BENEFIT PLAN

$1.7M

$124

SANFORD HEALTH PLAN

TILE MARKET OF DELAWARE, INC.

TILE MARKET OF DELAWARE, INC. EMPLOYEE BENEFIT PLAN

$251K

HM LIFE INSURANCE COMPANY