Welfare broker

TOTAL BENEFIT SYSTEMS INC

Mailing address (most recent filing)

5151 GATEWAY CTR STE 200

FLINT, MI 48507

Carrier mix

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

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$156K	25.0%
UNITED OF OMAHA LIFE INSURANCE COMPANY	1	$15K	25.0%
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY	1	$155K	25.0%
BLUE CARE NETWORK OF MICHIGAN	1	$1.4M	25.0%

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	4	$1.7M	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 TOTAL BENEFIT SYSTEMS INC's plans by broker comp / premium ratio. Median 10.21% vs welfare-wide median 6.29% (n=4).

Prospect-flag exposure · vs market baseline

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

1-4 of 4 sponsors where TOTAL BENEFIT SYSTEMS INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
GOYETTE MECHANICAL COMPANY INC GOYETTE MECHANICAL	MI	$1.4M	$67K	BLUE CARE NETWORK OF MICHIGAN
BAKER COLLEGE PROFESSIONAL SERVICES INC BAKER COLLEGE PROFESSIONAL SERVICES LONG TERM CARE INSURANCE PLAN	MI	$156K	$31K	UNUM LIFE INSURANCE COMPANY OF AMERICA
THE TOBIN GROUP LLC THE TOBIN GROUP LLC	MI	$155K	$10K	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY
VICTORY CLINICAL SERVICES VICTORY CLINICAL SERVICES	MI	$15K	$2K	UNITED OF OMAHA LIFE INSURANCE COMPANY