Welfare broker

T M R & ASSOCIATES, INC.

Mailing address (most recent filing)

601BBOTT ST

DETROIT, MI 482262513

Total comp: $216K
Commissions: $215K
Fees: $946
Filings: 4
Sponsors: 4

Carrier mix

Where T M R & ASSOCIATES, INC. places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

HUMANA INSURANCE COMPANY50.0%
ALLIANCE HEALTH AND LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HUMANA INSURANCE COMPANY	1	$4.6M	50.0%
ALLIANCE HEALTH AND LIFE INSURANCE COMPANY	1	$3.0M	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
MI	2	$7.6M	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 T M R & ASSOCIATES, INC.'s plans by broker comp / premium ratio. Median 4.39% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of T M R & ASSOCIATES, INC.'s book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where T M R & ASSOCIATES, INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
JT BOARD OF TRUSTEES PIPEFITTERS LOCAL NO. 636 RETIREE INSURANCE FD PIPEFITTERS LOCAL NO. 636 RETIREE INSURANCE FUND	MI	$4.6M	$179K	HUMANA INSURANCE COMPANY
ARAB COMMUNITY CENTER FOR ECONOMIC & SOC SERVICES ACCESS HEALTH AND WELFARE BENEFIT PLAN	MI	$3.0M	$145K	ALLIANCE HEALTH AND LIFE INSURANCE COMPANY

Carrier

Plans

Premium

HUMANA INSURANCE COMPANY

$4.6M

50.0%

ALLIANCE HEALTH AND LIFE INSURANCE COMPANY

$3.0M

50.0%

State

Plans

Premium

State share

Index

$7.6M

0.1%

41.16x

Sponsor

Loc

Premium

Comp

Carrier

JT BOARD OF TRUSTEES PIPEFITTERS LOCAL NO. 636 RETIREE INSURANCE FD

PIPEFITTERS LOCAL NO. 636 RETIREE INSURANCE FUND

$4.6M

$179K

HUMANA INSURANCE COMPANY

ARAB COMMUNITY CENTER FOR ECONOMIC & SOC SERVICES

ACCESS HEALTH AND WELFARE BENEFIT PLAN

$3.0M

$145K

ALLIANCE HEALTH AND LIFE INSURANCE COMPANY