Welfare broker

VITI FINANCIAL SERVICES INC

Mailing address (most recent filing)

445 SHERIDAN RD

HIGHWOOD, IL 60040

Total comp: $335K
Commissions: $332K
Fees: $3K
Filings: 9
Sponsors: 9

Carrier mix

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

UNITEDHEALTHCARE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$930K	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
IL	1	$930K	0.0%	28.47x

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 VITI FINANCIAL SERVICES INC's plans by broker comp / premium ratio. Median 3.84% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where VITI FINANCIAL SERVICES INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ONE OFF HOSPITALITY GROUP, LTD ONE OFF HOSPITALITY GROUP, LTD WELFARE BENEFIT PLAN	IL	$930K	$36K	UNITEDHEALTHCARE INSURANCE COMPANY