Welfare broker

STEVEN HARDIN

Mailing address (most recent filing)

901 WILSHIRE DR, SUITE 330

TROY, MI 48084

Total comp: $371K
Commissions: $236K
Fees: $135K
Filings: 8
Sponsors: 8

Carrier mix

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

BLUE CARE NETWORK OF MICHIGAN66.7%
BLUE CROSS OF CALIFORNIA33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CARE NETWORK OF MICHIGAN	2	$2.1M	66.7%
BLUE CROSS OF CALIFORNIA	1	$4.3M	33.3%

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	3	$6.4M	0.1%	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 STEVEN HARDIN's plans by broker comp / premium ratio. Median 4.45% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where STEVEN HARDIN is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
W AND P MANAGEMENT, LLC W AND P MANAGEMENT GROUP INSURANCE PLAN	MI	$4.3M	$150K	BLUE CROSS BLUE SHIELD OF MICHIGAN
ARROW STRATEGIES, LLC ARROW STRATEGIES, LLC HEALTH AND WELFARE BENEFIT PLAN	MI	$896K	$57K	BLUE CARE NETWORK OF MICHIGAN
INTREPID CONTROL SYSTEMS INTREPID CONTROL SYSTEMS WELFARE BENEFITS	MI	$1.2M	$51K	BLUE CARE NETWORK OF MICHIGAN

Carrier

Plans

Premium

BLUE CARE NETWORK OF MICHIGAN

$2.1M

66.7%

BLUE CROSS OF CALIFORNIA

$4.3M

33.3%

State

Plans

Premium

State share

Index

$6.4M

0.1%

41.16x

Sponsor

Loc

Premium

Comp

Carrier

W AND P MANAGEMENT, LLC

W AND P MANAGEMENT GROUP INSURANCE PLAN

$4.3M

$150K

BLUE CROSS BLUE SHIELD OF MICHIGAN

ARROW STRATEGIES, LLC

ARROW STRATEGIES, LLC HEALTH AND WELFARE BENEFIT PLAN

$896K

$57K

BLUE CARE NETWORK OF MICHIGAN

INTREPID CONTROL SYSTEMS

INTREPID CONTROL SYSTEMS WELFARE BENEFITS

$1.2M

$51K

BLUE CARE NETWORK OF MICHIGAN