Welfare broker

STEPHEN J HETTRICK

Mailing address (most recent filing)

35735 MOUND ROAD

STERLING HEIGHTS, MI 48310

Total comp: $74K
Commissions: $45K
Fees: $30K
Filings: 3
Sponsors: 3

Carrier mix

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

BLUE CARE NETWORK OF MICHIGAN100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CARE NETWORK OF MICHIGAN	1	$755K	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	$755K	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 STEPHEN J HETTRICK's plans by broker comp / premium ratio. Median 8.54% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where STEPHEN J HETTRICK is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
M&M LUXURY AUTOMOTIVE, LLC M&M LUXURY AUTOMOTIVE, LLC HEALTH AND WELFARE BENE	MI	$755K	$64K	BLUE CARE NETWORK OF MICHIGAN