Welfare broker

WESTERN INSURANCE AGENCY INC

Mailing address (most recent filing)

PO BOX 919

WINONA, MN 55987

Total comp: $30K
Commissions: $30K
Fees: $172
Filings: 6
Sponsors: 6

Carrier mix

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

STANDARD INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
STANDARD INSURANCE COMPANY	1	$108K	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	$108K	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 WESTERN INSURANCE AGENCY INC's plans by broker comp / premium ratio. Median 10.94% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where WESTERN INSURANCE AGENCY INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
VALLEY TRANSPORTATION SERVICE INC. ATTN KRISTI JACK VALLEY TRANSPORTATION SERVICE INC. WELFARE PLAN	MN	$108K	$12K	STANDARD INSURANCE COMPANY