Welfare broker

ALTUS OAK INSURANCE SERVICES

Mailing address (most recent filing)

2 EXECUTIVE CIRCLE SUITE 260

IRVINE, CA 92614

Total comp: $158K
Commissions: $158K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

Where ALTUS OAK INSURANCE SERVICES places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

CIGNA HEALTH AND LIFE INSURANCE COMPANY50.0%
AETNA LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$216K	50.0%
AETNA LIFE INSURANCE COMPANY	1	$2.2M	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
CA	2	$2.4M	0.0%	12.75x

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 ALTUS OAK INSURANCE SERVICES's plans by broker comp / premium ratio. Median 8.04% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of ALTUS OAK INSURANCE SERVICES's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where ALTUS OAK INSURANCE SERVICES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ROHM SEMICONDUCTOR USA LLC ROHM SEMICONDUCTOR USA LLC HEALTH AND WELFARE BENEFIT	CA	$2.2M	$136K	AETNA LIFE INSURANCE COMPANY
DISCO H-TEC AMERICA, INC. DISCO DENTAL AND VISION PLAN	CA	$216K	$21K	CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES

Carrier

Plans

Premium

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$216K

50.0%

AETNA LIFE INSURANCE COMPANY

$2.2M

50.0%

State

Plans

Premium

State share

Index

$2.4M

0.0%

12.75x

Sponsor

Loc

Premium

Comp

Carrier

ROHM SEMICONDUCTOR USA LLC

ROHM SEMICONDUCTOR USA LLC HEALTH AND WELFARE BENEFIT

$2.2M

$136K

AETNA LIFE INSURANCE COMPANY

DISCO H-TEC AMERICA, INC.

DISCO DENTAL AND VISION PLAN

$216K

$21K

CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES