Welfare broker

A AND H INSURANCE INC.

Mailing address (most recent filing)

3301 S VIRGINIA STREET

RENO, NV 89502

Total comp: $692K
Commissions: $692K
Fees: $0
Filings: 19
Sponsors: 19

Carrier mix

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

UNITEDHEALTHCARE INSURANCE COMPANY66.7%
ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC.33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	2	$3.3M	66.7%
ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC.	1	$5.7M	33.3%

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
NV	3	$9.0M	0.6%	226.12x

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 A AND H INSURANCE INC.'s plans by broker comp / premium ratio. Median 4.70% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where A AND H INSURANCE INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
REDWOOD MATERIALS, INC. REDWOOD MATERIALS, INC. WELFARE BENEFIT PLAN	NV	$5.7M	$220K	ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC.
VT CONSTRUCTION INC/VT TRUCKING VT CONSTRUCTION WELFARE BENEFIT PLAN	NV	$1.5M	$207K	HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE
HAWS CORPORATION HAWS CORPORATION WELFARE BENEFIT PLAN	NV	$1.9M	$88K	UNITEDHEALTHCARE INSURANCE COMPANY

Carrier

Plans

Premium

UNITEDHEALTHCARE INSURANCE COMPANY

$3.3M

66.7%

ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC.

$5.7M

33.3%

State

Plans

Premium

State share

Index

$9.0M

0.6%

226.12x

Sponsor

Loc

Premium

Comp

Carrier

REDWOOD MATERIALS, INC.

REDWOOD MATERIALS, INC. WELFARE BENEFIT PLAN

$5.7M

$220K

ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC.

VT CONSTRUCTION INC/VT TRUCKING

VT CONSTRUCTION WELFARE BENEFIT PLAN

$1.5M

$207K

HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE

HAWS CORPORATION

HAWS CORPORATION WELFARE BENEFIT PLAN

$1.9M

$88K

UNITEDHEALTHCARE INSURANCE COMPANY