Welfare broker

ROBERT CHIESA

Mailing address (most recent filing)

5664 PRAIRIE CREEK DR SE

CALEDONIA, MI 49316

Total comp: $110K
Commissions: $110K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

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

PRIORITY HEALTH50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PRIORITY HEALTH	1	$650K	50.0%
BLUE CROSS OF CALIFORNIA	1	$3.7M	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
MI	2	$4.3M	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 CHIESA's plans by broker comp / premium ratio. Median 4.81% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where ROBERT CHIESA is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ELGA CREDIT UNION ELGA CREDIT UNION HEALTH AND WELFARE PLAN	MI	$3.7M	$169K	BLUE CROSS BLUE SHIELD OF MICHIGAN
AUTOMATED MEDIA, INC. AUTOMATED MEDIA, INC. MEDICAL PLAN	MI	$650K	$32K	PRIORITY HEALTH