Welfare broker

VALLEY AGENCIES INC

Mailing address (most recent filing)

125 NEW ENGLAND PL

STILLWATER, MN 55082

Total comp: $5K
Commissions: $5K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

UNUM LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$107K	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
MN	1	$107K	0.0%	50.15x

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 VALLEY AGENCIES INC's plans by broker comp / premium ratio. Median 4.82% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where VALLEY AGENCIES INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CANVAS HEALTH INC CANVAS HEALTH INC LONG TERM DISABILITY PLAN	MN	$107K	$5K	UNUM LIFE INSURANCE COMPANY OF AMERICA