Welfare broker

BAY HEALTH INSURANCE AGENCY, INC.

Mailing address (most recent filing)

675 HAMPSHIRE STREET

SAN FRANCISCO, CA 94110

Total comp: $550K
Commissions: $499K
Fees: $51K
Filings: 4
Sponsors: 4

Carrier mix

Where BAY HEALTH INSURANCE AGENCY, INC. places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

METROPOLITAN LIFE INSURANCE COMPANY50.0%
AETNA LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
METROPOLITAN LIFE INSURANCE COMPANY	1	$4.8M	50.0%
AETNA LIFE INSURANCE COMPANY	1	$3.6M	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
TX	1	$4.8M	0.0%	8.36x
CA	1	$3.6M	0.0%	6.38x

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 HEALTH INSURANCE AGENCY, INC.'s plans by broker comp / premium ratio. Median 12.02% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of BAY HEALTH INSURANCE AGENCY, INC.'s book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where BAY HEALTH INSURANCE AGENCY, INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
HOSPITAL HOUSEKEEPING SYSTEMS, LLC HHS, LLC HOURLY EMPLOYEE BENEFITS PLAN	TX	$4.8M	$902K	METROPOLITAN LIFE INSURANCE COMPANY
PROVIDENT FUNDING ASSOCIATES, LP PROVIDENT FUNDING ASSOCIATES CONSOLIDATED WELFARE PLAN	CA	$3.6M	$185K	AETNA LIFE INSURANCE COMPANY

Carrier

Plans

Premium

METROPOLITAN LIFE INSURANCE COMPANY

$4.8M

50.0%

AETNA LIFE INSURANCE COMPANY

$3.6M

50.0%

State

Plans

Premium

State share

Index

$4.8M

0.0%

8.36x

$3.6M

0.0%

6.38x

Sponsor

Loc

Premium

Comp

Carrier

HOSPITAL HOUSEKEEPING SYSTEMS, LLC

HHS, LLC HOURLY EMPLOYEE BENEFITS PLAN

$4.8M

$902K

METROPOLITAN LIFE INSURANCE COMPANY

PROVIDENT FUNDING ASSOCIATES, LP

PROVIDENT FUNDING ASSOCIATES CONSOLIDATED WELFARE PLAN

$3.6M

$185K

AETNA LIFE INSURANCE COMPANY