Welfare broker

BAY AREA BENEFITS INSURANCE SERVICE

Mailing address (most recent filing)

2240 CAMINO RAMON STE 100

SAN RAMON, CA 94583

Total comp: $115K
Commissions: $115K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

Where BAY AREA BENEFITS INSURANCE SERVICE places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

KAISER FOUNDATION HEALTH PLAN INC100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
KAISER FOUNDATION HEALTH PLAN INC	1	$1.4M	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	$1.4M	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 BAY AREA BENEFITS INSURANCE SERVICE's plans by broker comp / premium ratio. Median 5.47% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of BAY AREA BENEFITS INSURANCE SERVICE's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where BAY AREA BENEFITS INSURANCE SERVICE is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CALIFORNIA GRAND CASINO CALIFORNIA GRAND CASINO BENEFIT PLAN	CA	$1.4M	$75K	KAISER FOUNDATION HEALTH PLAN, INC.