Welfare broker

ROBERT G. RUTH

Mailing address (most recent filing)

7276 SNOW APPLE DR.

CLARKSTON, MI 483461648

Total comp: $85K
Commissions: $85K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

Where ROBERT G. RUTH 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	$5.2M	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
MI	1	$5.2M	0.0%	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 G. RUTH's plans by broker comp / premium ratio. Median 1.73% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where ROBERT G. RUTH is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
JOINT BOARD ROOFERS UNION LOCAL NO 70 INSURANCE TRUST FUND ROOFERS UNION LOCAL NO. 70 INSURANCE TRUST FUND	MI	$5.2M	$90K	BLUE CROSS BLUE SHIELD OF MICHIGAN