Welfare broker

AP DESIGN PROFESSIONALS INSURANCE

Mailing address (most recent filing)

3697 MT DIABLO BLVD STE 230

LAFAYETTE, CA 94549

Total comp: $118K
Commissions: $114K
Fees: $3K
Filings: 6
Sponsors: 6

Carrier mix

Where AP DESIGN PROFESSIONALS INSURANCE places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$0	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
CA	1	$0	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 AP DESIGN PROFESSIONALS INSURANCE's plans by broker comp / premium ratio. Median n/a vs welfare-wide median 6.29% (n=0).

Prospect-flag exposure · vs market baseline

Share of AP DESIGN PROFESSIONALS INSURANCE's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where AP DESIGN PROFESSIONALS INSURANCE is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ACEC CALIFORNIA CALIFORNIA HEALTH INSURANCE TRUST FOR ACEC-CALIFORNIA	CA	$0	$21K	GUARDIAN