Welfare broker

PHAROS EMPLOYEE BENEFITS INC

Mailing address (most recent filing)

2600 EAGAN WOODS DRIVE

SUITE 140

EAGAN, MN 55121

Total comp: $117K
Commissions: $100K
Fees: $17K
Filings: 8
Sponsors: 8

Carrier mix

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

RELIANCE STANDARD LIFE INSURANCE COMPANY33.3%
NORTHWESTERN MUTUAL33.3%
BLUE CROSS OF CALIFORNIA33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
RELIANCE STANDARD LIFE INSURANCE COMPANY	1	$162K	33.3%
NORTHWESTERN MUTUAL	1	$473K	33.3%
BLUE CROSS OF CALIFORNIA	1	$574K	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
MN	2	$736K	0.1%	33.43x
WI	1	$473K	0.0%	17.69x

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 PHAROS EMPLOYEE BENEFITS INC's plans by broker comp / premium ratio. Median 7.75% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where PHAROS EMPLOYEE BENEFITS INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
THE LAKES COMMUNITY CLINIC, INC NORTHLAKES COMMUNITY CLINIC LIFE INSURANCE PLAN	WI	$473K	$37K	NORTHWESTERN MUTUAL
WBL AUTO COMPANY, LLC DBA APPLE FORD WHITE BEAR LAKE APPLE FORD WHITE BEAR LAKE HEALTH AND BENEFIT PLAN	MN	$574K	$23K	BLUE CROSS AND BLUE SHIELD OF MINNESOTA
VALLEY APPLE FORD, INC VALLEY APPLE FORD, INC HEALTH AND BENEFIT PLAN	MN	$162K	$17K	RELIANCE STANDARD LIFE INSURANCE

Carrier

Plans

Premium

RELIANCE STANDARD LIFE INSURANCE COMPANY

$162K

33.3%

NORTHWESTERN MUTUAL

$473K

33.3%

BLUE CROSS OF CALIFORNIA

$574K

33.3%

State

Plans

Premium

State share

Index

$736K

0.1%

33.43x

$473K

0.0%

17.69x

Sponsor

Loc

Premium

Comp

Carrier

THE LAKES COMMUNITY CLINIC, INC

NORTHLAKES COMMUNITY CLINIC LIFE INSURANCE PLAN

$473K

$37K

NORTHWESTERN MUTUAL

WBL AUTO COMPANY, LLC DBA APPLE FORD WHITE BEAR LAKE

APPLE FORD WHITE BEAR LAKE HEALTH AND BENEFIT PLAN

$574K

$23K

BLUE CROSS AND BLUE SHIELD OF MINNESOTA

VALLEY APPLE FORD, INC

VALLEY APPLE FORD, INC HEALTH AND BENEFIT PLAN

$162K

$17K

RELIANCE STANDARD LIFE INSURANCE