Welfare broker

WINSTON WALTERS

Mailing address (most recent filing)

HUB INTERNATIONAL-MONTANA

3533 GABEL ROAD

BILLINGS, MT 59102

Total comp: $39K
Commissions: $39K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

PACIFICSOURCE HEALTH PLANS100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PACIFICSOURCE HEALTH PLANS	1	$844K	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
MT	1	$844K	0.4%	434.38x

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 WINSTON WALTERS's plans by broker comp / premium ratio. Median 5.74% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where WINSTON WALTERS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
FLATHEAD INDUSTRIES FLATHEAD INDUSTRIES EMPLOYEE BENEFITS PLAN	MT	$844K	$48K	PACIFICSOURCE HEALTH PLANS