Welfare broker

BAYHABENEFITS INSURANCE SOLUTIONS

Mailing address (most recent filing)

LLC

PO BOX 1585

FAIR OAKS, CA 95628

Total comp: $17K
Commissions: $17K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

WESTERN HEALTH ADVANTAGE100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
WESTERN HEALTH ADVANTAGE	1	$3.4M	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	$3.4M	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 BAYHABENEFITS INSURANCE SOLUTIONS's plans by broker comp / premium ratio. Median 1.47% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where BAYHABENEFITS INSURANCE SOLUTIONS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
WESTERN HEALTH ADVANTAGE WESTERN HEALTH ADVANTAGE HEALTH AND WELFARE PLAN	CA	$3.4M	$50K	WESTERN HEALTH ADVANTAGE