Welfare broker

SCOTT LUDEMA

Mailing address (most recent filing)

1 S WAVERLY ROAD

HOLLAND, MI 49423

Total comp: $13K
Commissions: $13K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

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

PRIORITY HEALTH100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PRIORITY HEALTH	1	$706K	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	$706K	0.0%	41.13x

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 SCOTT LUDEMA's plans by broker comp / premium ratio. Median 5.84% vs welfare-wide median 6.40% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where SCOTT LUDEMA is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ETM ENTERPRISES, INC. ETM ENTERPRISES, INC. EMPLOYEE BENEFIT PLAN	MI	$706K	$41K	PRIORITY HEALTH