Welfare broker

AUERBACH & GUSSIN INS

Mailing address (most recent filing)

701 PALOMAR AIRPORT RD

CARLSBAD, CA 92011

Total comp: $50K
Commissions: $50K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

Where AUERBACH & GUSSIN INS places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

PRINCIPAL LIFE INSURANCE COMPANY50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PRINCIPAL LIFE INSURANCE COMPANY	1	$4K	50.0%
BLUE CROSS OF CALIFORNIA	1	$1.7M	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
WA	2	$1.7M	0.1%	61.72x

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 AUERBACH & GUSSIN INS's plans by broker comp / premium ratio. Median 11.69% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of AUERBACH & GUSSIN INS's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where AUERBACH & GUSSIN INS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
HAAKON INDUSTRIES, INC. PREMERA BLUE CROSS	WA	$1.7M	$86K	PREMERA BLUE CROSS
HAAKON INDUSTRIES INC HAAKON INDUSTRIES INC	WA	$4K	$689	PRINCIPAL LIFE INSURANCE COMPANY