Welfare broker

ROBERT HUGHES

Mailing address (most recent filing)

120 WEST DRIVE, SUITE 3

MARSHALL, MI 49068

Total comp: $532K
Commissions: $532K
Fees: $0
Filings: 8
Sponsors: 8

Carrier mix

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

PRIORITY HEALTH66.7%
SUN LIFE ASSURANCE COMPANY OF CANADA33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PRIORITY HEALTH	2	$15.1M	66.7%
SUN LIFE ASSURANCE COMPANY OF CANADA	1	$864K	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
MI	3	$16.0M	0.1%	41.16x

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 ROBERT HUGHES's plans by broker comp / premium ratio. Median 4.25% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where ROBERT HUGHES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
LAKE MICHIGAN CREDIT UNION LAKE MICHIGAN CREDIT UNION WELFARE BENEFIT PLAN	MI	$13.5M	$357K	PRIORITY HEALTH
GRACELAND FRUIT, INC. GRACELAND FRUIT HEALTH AND WELFARE PLAN	MI	$1.6M	$66K	PRIORITY HEALTH
MATCOR-MATSU USA, INC. MATCOR-MATSU GROUP OF COMPANIES HEALTH AND WELFARE BENEFITS PLAN	MI	$864K	$40K	SUN LIFE ASSURANCE COMPANY OF CANADA

Carrier

Plans

Premium

PRIORITY HEALTH

$15.1M

66.7%

SUN LIFE ASSURANCE COMPANY OF CANADA

$864K

33.3%

State

Plans

Premium

State share

Index

$16.0M

0.1%

41.16x

Sponsor

Loc

Premium

Comp

Carrier

LAKE MICHIGAN CREDIT UNION

LAKE MICHIGAN CREDIT UNION WELFARE BENEFIT PLAN

$13.5M

$357K

PRIORITY HEALTH

GRACELAND FRUIT, INC.

GRACELAND FRUIT HEALTH AND WELFARE PLAN

$1.6M

$66K

PRIORITY HEALTH

MATCOR-MATSU USA, INC.

MATCOR-MATSU GROUP OF COMPANIES HEALTH AND WELFARE BENEFITS PLAN

$864K

$40K

SUN LIFE ASSURANCE COMPANY OF CANADA