Welfare broker

TAWAS BAY INSURANCE AGENCY, LLC

Mailing address (most recent filing)

108 WEST STATE ST

EAST TAWAS, MI 48730

Total comp: $87K
Commissions: $77K
Fees: $10K
Filings: 4
Sponsors: 4

Carrier mix

Where TAWAS BAY INSURANCE AGENCY, LLC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

RELIANCE STANDARD LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
RELIANCE STANDARD LIFE INSURANCE COMPANY	2	$1.5M	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
NC	1	$1.0M	0.0%	23.86x
MI	1	$481K	0.0%	20.58x

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 TAWAS BAY INSURANCE AGENCY, LLC's plans by broker comp / premium ratio. Median 5.25% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of TAWAS BAY INSURANCE AGENCY, LLC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where TAWAS BAY INSURANCE AGENCY, LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
AIR T, INC. AIR T GROUP MEDICAL PLAN	NC	$1.0M	$60K	RELIANCE STANDARD LIFE INSURANCE COMPANY
CADILLAC CASTING, INC. CADILLAC CASTING, INC. GROUP INSURANCE HEALTH PLAN	MI	$481K	$22K	RELIANCE STANDARD LIFE INSURANCE COMPANY

Carrier

Plans

Premium

RELIANCE STANDARD LIFE INSURANCE COMPANY

$1.5M

100.0%

State

Plans

Premium

State share

Index

$1.0M

0.0%

23.86x

$481K

0.0%

20.58x

Sponsor

Loc

Premium

Comp

Carrier

AIR T, INC.

AIR T GROUP MEDICAL PLAN

$1.0M

$60K

RELIANCE STANDARD LIFE INSURANCE COMPANY

CADILLAC CASTING, INC.

CADILLAC CASTING, INC. GROUP INSURANCE HEALTH PLAN

$481K

$22K

RELIANCE STANDARD LIFE INSURANCE COMPANY