Welfare broker

WOODRUFF FINANCIAL INC

Mailing address (most recent filing)

1410 W OLD MILL RD

LAKE FOREST, IL 600453720

Total comp: $163K
Commissions: $123K
Fees: $39K
Filings: 2
Sponsors: 2

Carrier mix

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

HEALTHCARE DENTAL, INC.50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HEALTHCARE DENTAL, INC.	1	$5.4M	50.0%
BLUE CROSS OF CALIFORNIA	1	$2.0M	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
WI	1	$2.0M	0.0%	26.54x
IL	1	$5.4M	0.0%	14.24x

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 WOODRUFF FINANCIAL INC's plans by broker comp / premium ratio. Median 2.86% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where WOODRUFF FINANCIAL INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ALLIED PLASTICS, LLC ALLIED PLASTICS, LLC HEALTH & WELFARE PLAN	WI	$2.0M	$84K	BLUECROSS BLUESHIELD OF ILLINOIS
OLIVET NAZARENE UNIVERSITY OLIVET NAZARENE UNIVERSITY WELFARE BENEFIT PLAN	IL	$5.4M	$79K	HEALTHCARE SERVICE CORPORATION

Carrier

Plans

Premium

HEALTHCARE DENTAL, INC.

$5.4M

50.0%

BLUE CROSS OF CALIFORNIA

$2.0M

50.0%

State

Plans

Premium

State share

Index

$2.0M

0.0%

26.54x

$5.4M

0.0%

14.24x

Sponsor

Loc

Premium

Comp

Carrier

ALLIED PLASTICS, LLC

ALLIED PLASTICS, LLC HEALTH & WELFARE PLAN

$2.0M

$84K

BLUECROSS BLUESHIELD OF ILLINOIS

OLIVET NAZARENE UNIVERSITY

OLIVET NAZARENE UNIVERSITY WELFARE BENEFIT PLAN

$5.4M

$79K

HEALTHCARE SERVICE CORPORATION