Welfare broker

TIM M. ERNST

Mailing address (most recent filing)

26255 AMERICAN DRIVE

SOUTHFIELD, MI 48034

Total comp: $74K
Commissions: $74K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

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

PRIORITY HEALTH100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PRIORITY HEALTH	2	$2.2M	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
MI	2	$2.2M	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 TIM M. ERNST's plans by broker comp / premium ratio. Median 5.48% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where TIM M. ERNST is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
HINES PARK LINCOLN HINES PARK LINCOLN WELFARE BENEFIT PLAN	MI	$1.6M	$95K	PRIORITY HEALTH
PERFORMANCE DRIVEN WORKFORCE, LLC PERFORMANCE DRIVEN WORKFORCE LLC	MI	$527K	$27K	PRIORTY HEALTH