Welfare broker

STEVEN J HEILIGENSTEIN

Mailing address (most recent filing)

22219 HUGO RD

CENTRALIA, IL 62801

Total comp: $19K
Commissions: $19K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

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

NIPPON LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
NIPPON LIFE INSURANCE COMPANY OF AMERICA	1	$76K	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
IL	1	$76K	0.0%	28.47x

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 J HEILIGENSTEIN's plans by broker comp / premium ratio. Median 20.88% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
ST. CLAIR 1, LLC AUFFENBERG VISION AND LIFE PLAN	IL	$76K	$16K	NIPPON LIFE INSURANCE COMPANY OF AMERICA