Welfare broker

SUNDVOLD FINANCIAL

Mailing address (most recent filing)

1000 W. NIFONG BLDG. 4, STE. 104

COLUMBIA, MO 65203

Total comp: $305K
Commissions: $272K
Fees: $33K
Filings: 11
Sponsors: 11

Carrier mix

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

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA50.0%
HEALTH NET50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$280K	50.0%
HEALTH NET	1	$2.1M	50.0%

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
MO	2	$2.3M	0.0%	17.86x

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 SUNDVOLD FINANCIAL's plans by broker comp / premium ratio. Median 9.38% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where SUNDVOLD FINANCIAL is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
OATS INC HEALTH PLAN	MO	$2.1M	$92K	HEALTHY ALLIANCE LIFE INSURANCE COMPANY
OATS INC LIFE PLAN	MO	$280K	$40K	GUARDIAN LIFE INSURANCE COMPANY OF AMERICA