Welfare broker

THREEFLOW

Mailing address (most recent filing)

306 W. ERIE STREET

SUITE #300

CHICAGO, IL 60654

Total comp: $57K
Commissions: $50K
Fees: $7K
Filings: 80
Sponsors: 80

Carrier mix

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

PRUDENTIAL INSURANCE COMPANY OF AMERICA33.3%
LIFE INSURANCE COMPANY OF NORTH AMERICA33.3%
AETNA LIFE INSURANCE COMPANY33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PRUDENTIAL INSURANCE COMPANY OF AMERICA	1	$223K	33.3%
LIFE INSURANCE COMPANY OF NORTH AMERICA	1	$890K	33.3%
AETNA LIFE INSURANCE COMPANY	1	$5.0M	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
WA	1	$223K	0.1%	20.73x
VA	1	$5.0M	0.0%	15.34x
OH	1	$890K	0.0%	2.60x

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 THREEFLOW's plans by broker comp / premium ratio. Median 2.31% vs welfare-wide median 6.31% (n=2).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
EMPIRE MARKETING STRATEGIES, INC. EMPIRE MARKETING STRATEGIES INC. WELFARE BENEFIT PLAN	OH	$890K	$31K	LIFE INSURANCE COMPANY OF NORTH AMERICA
SOUND SOUND MEDICAL/DENTAL	WA	$223K	$3K	PRUDENTIAL INSURANCE COMPANY OF AMERICA
KINSALE MANAGEMENT, INC. KINSALE MANAGEMENT, INC. GROUP WELFARE PLAN	VA	$5.0M	$0	AETNA HEALTH, INC.

Carrier

Plans

Premium

PRUDENTIAL INSURANCE COMPANY OF AMERICA

$223K

33.3%

LIFE INSURANCE COMPANY OF NORTH AMERICA

$890K

33.3%

AETNA LIFE INSURANCE COMPANY

$5.0M

33.3%

State

Plans

Premium

State share

Index

$223K

0.1%

20.73x

$5.0M

0.0%

15.34x

$890K

0.0%

2.60x

Sponsor

Loc

Premium

Comp

Carrier

EMPIRE MARKETING STRATEGIES, INC.

EMPIRE MARKETING STRATEGIES INC. WELFARE BENEFIT PLAN

$890K

$31K

LIFE INSURANCE COMPANY OF NORTH AMERICA

SOUND

SOUND MEDICAL/DENTAL

$223K

$3K

PRUDENTIAL INSURANCE COMPANY OF AMERICA

KINSALE MANAGEMENT, INC.

KINSALE MANAGEMENT, INC. GROUP WELFARE PLAN

$5.0M

AETNA HEALTH, INC.