Welfare broker

SHAWN DALE SPENCER

Mailing address (most recent filing)

220 SOUTH MAIN STREET

ROYAL OAK, MI 48067

Total comp: $8K
Commissions: $8K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

PRINCIPAL LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PRINCIPAL LIFE INSURANCE COMPANY	1	$128K	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
NY	1	$128K	0.0%	19.82x

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 SHAWN DALE SPENCER's plans by broker comp / premium ratio. Median 6.70% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where SHAWN DALE SPENCER is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
VILLAGE GOURMET HOLDCO, LLC VILLAGE GOURMET HOLDCO, LLC WRAP PLAN	NY	$128K	$9K	PRINCIPAL LIFE INSURANCE COMPANY