Welfare broker

STEVE D FLORANCE

Mailing address (most recent filing)

12319 E BROADWAY AVE

SPOKANE VALLEY, WA 99216

Total comp: $5K
Commissions: $5K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

KANSAS CITY LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
KANSAS CITY LIFE INSURANCE COMPANY	1	$36K	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
ID	1	$36K	0.2%	265.01x

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 STEVE D FLORANCE's plans by broker comp / premium ratio. Median 13.95% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where STEVE D FLORANCE is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ENCODER PRODUCTS COMPANY ENCODER PRODUCTS CO. SEC. 125 PLAN	ID	$36K	$5K	KANSAS CITY LIFE INSURANCE COMPANY