Welfare broker

TIMOTHY M ERNST

Mailing address (most recent filing)

2600 SOUTH TELEGRAPH ROAD

SUITE 100

BLOOMFIELD HILLS, MI 48302

Total comp: $43K
Commissions: $43K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

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

BLUE CARE NETWORK OF MICHIGAN100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CARE NETWORK OF MICHIGAN	1	$1.8M	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	1	$1.8M	0.0%	41.13x

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 TIMOTHY M ERNST's plans by broker comp / premium ratio. Median 4.87% vs welfare-wide median 6.40% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where TIMOTHY 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	$1.8M	$88K	BLUE CARE NETWORK