Welfare broker

WATCH TOWER BENEFITS

Mailing address (most recent filing)

306 WEST ERIE STREET, 3RD FLOOR

CHICAGO, CO 60654

Total comp: $106K
Commissions: $59K
Fees: $47K
Filings: 20
Sponsors: 20

Carrier mix

Where WATCH TOWER BENEFITS places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

AMERICAN UNITED LIFE INSURANCE COMPANY50.0%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
AMERICAN UNITED LIFE INSURANCE COMPANY	1	$612K	50.0%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$1.2M	50.0%

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
IN	1	$612K	0.0%	16.99x
FL	1	$1.2M	0.0%	12.70x

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 WATCH TOWER BENEFITS's plans by broker comp / premium ratio. Median 2.08% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of WATCH TOWER BENEFITS's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where WATCH TOWER BENEFITS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
B&I CONTRACTORS, INC. B&I CONTRACTORS, INC HEALTH AND WELFARE PLAN	FL	$1.2M	$48K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
BUTLER UNIVERSITY BUTLER UNIVERSITY EMPLOYEE BENEFIT PLAN	IN	$612K	$1K	AMERICAN UNITED LIFE INSURANCE COMPANY

Carrier

Plans

Premium

AMERICAN UNITED LIFE INSURANCE COMPANY

$612K

50.0%

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

$1.2M

50.0%

State

Plans

Premium

State share

Index

$612K

0.0%

16.99x

$1.2M

0.0%

12.70x

Sponsor

Loc

Premium

Comp

Carrier

B&I CONTRACTORS, INC.

B&I CONTRACTORS, INC HEALTH AND WELFARE PLAN

$1.2M

$48K

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

BUTLER UNIVERSITY

BUTLER UNIVERSITY EMPLOYEE BENEFIT PLAN

$612K

$1K

AMERICAN UNITED LIFE INSURANCE COMPANY