Welfare broker

RINGOEN, TODD, A

Mailing address (most recent filing)

300 3RD AVE SW STE B

MINOT, ND 58701

Total comp: $3K
Commissions: $3K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

Where RINGOEN, TODD, A places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

BLUE CROSS OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	1	$1.1M	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
ND	1	$1.1M	0.3%	350.84x

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 RINGOEN, TODD, A's plans by broker comp / premium ratio. Median 0.30% vs welfare-wide median 6.31% (n=1).

Prospect-flag exposure · vs market baseline

Share of RINGOEN, TODD, A's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where RINGOEN, TODD, A is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
I KEATING FURNITURE WORLD, INC I KEATING FURNITURE WORLD, INC. GROUP BENEFIT PLAN	ND	$1.1M	$3K	BLUE CROSS BLUE SHIELD OF NORTH DAKOTA