Welfare broker

PRIMARY BENEFIT SERVICES

Mailing address (most recent filing)

PO BOX 336

LITTLE FALLS, MN 56345

Total comp: $66K
Commissions: $63K
Fees: $3K
Filings: 2
Sponsors: 2

Carrier mix

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

METROPOLITAN LIFE INSURANCE COMPANY50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
METROPOLITAN LIFE INSURANCE COMPANY	1	$156K	50.0%
BLUE CROSS OF CALIFORNIA	1	$2.0M	50.0%

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
MN	2	$2.2M	0.1%	50.15x

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 PRIMARY BENEFIT SERVICES's plans by broker comp / premium ratio. Median 5.69% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where PRIMARY BENEFIT SERVICES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
UNITED FARMERS COOPERATIVE UNITED FARMERS COOPERATIVE MEDICAL BENEFIT PLAN	MN	$2.0M	$52K	BLUE CROSS & BLUE SHIELD OF MINNESOTA
UNITED FARMERS COOPERATIVE UNITED FARMERS COOPERATIVE	MN	$156K	$14K	METROPOLITAN LIFE INSURANCE COMPANY

Carrier

Plans

Premium

METROPOLITAN LIFE INSURANCE COMPANY

$156K

50.0%

BLUE CROSS OF CALIFORNIA

$2.0M

50.0%

State

Plans

Premium

State share

Index

$2.2M

0.1%

50.15x

Sponsor

Loc

Premium

Comp

Carrier

UNITED FARMERS COOPERATIVE

UNITED FARMERS COOPERATIVE MEDICAL BENEFIT PLAN

$2.0M

$52K

BLUE CROSS & BLUE SHIELD OF MINNESOTA

UNITED FARMERS COOPERATIVE

$156K

$14K

METROPOLITAN LIFE INSURANCE COMPANY