Welfare broker

PRIZM INSURANCE & RISK SERVICE

Mailing address (most recent filing)

6728 FRANK LLOYD WRIGHT AVE

MIDDLETON, WI 53562

Total comp: $22K
Commissions: $22K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

Where PRIZM INSURANCE & RISK SERVICE places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNUM LIFE INSURANCE COMPANY OF AMERICA50.0%
PRINCIPAL LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$182K	50.0%
PRINCIPAL LIFE INSURANCE COMPANY	1	$110K	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
WI	2	$293K	0.1%	53.08x

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 PRIZM INSURANCE & RISK SERVICE's plans by broker comp / premium ratio. Median 9.11% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of PRIZM INSURANCE & RISK SERVICE's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where PRIZM INSURANCE & RISK SERVICE is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
PENZEYS, LTD PENZEYS, LTD LIFE, LONG AND SHORT TERM DISABILITY INSURANCE PLAN	WI	$182K	$14K	UNUM LIFE INSURANCE COMPANY OF AMERICA
ROTE OIL LTD ROTE OIL LTD HEALTH AND WELFARE BENEFIT PLAN	WI	$110K	$12K	PRINCIPAL LIFE INSURANCE COMPANY

Carrier

Plans

Premium

UNUM LIFE INSURANCE COMPANY OF AMERICA

$182K

50.0%

PRINCIPAL LIFE INSURANCE COMPANY

$110K

50.0%

State

Plans

Premium

State share

Index

$293K

0.1%

53.08x

Sponsor

Loc

Premium

Comp

Carrier

PENZEYS, LTD

PENZEYS, LTD LIFE, LONG AND SHORT TERM DISABILITY INSURANCE PLAN

$182K

$14K

UNUM LIFE INSURANCE COMPANY OF AMERICA

ROTE OIL LTD

ROTE OIL LTD HEALTH AND WELFARE BENEFIT PLAN

$110K

$12K

PRINCIPAL LIFE INSURANCE COMPANY