Welfare broker

BENDER INSURANCE SOLUTIONS

Mailing address (most recent filing)

516 GIBSON DRIVE, SUITE 240

ROSEVILLE, CA 95678

Total comp: $194K
Commissions: $194K
Fees: $0
Filings: 5
Sponsors: 5

Carrier mix

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

KAISER FOUNDATION HEALTH PLAN INC75.0%
WESTERN HEALTH ADVANTAGE25.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
KAISER FOUNDATION HEALTH PLAN INC	3	$4.4M	75.0%
WESTERN HEALTH ADVANTAGE	1	$1.9M	25.0%

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	4	$6.2M	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 BENDER INSURANCE SOLUTIONS's plans by broker comp / premium ratio. Median 4.86% vs welfare-wide median 6.29% (n=4).

Prospect-flag exposure · vs market baseline

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

1-4 of 4 sponsors where BENDER INSURANCE SOLUTIONS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ADAMS GROUP, INC. ADAMS GROUP, INC. EMPLOYEE WELFARE PLAN	CA	$1.9M	$99K	WESTERN HEALTH ADVANTAGE
PASCO SCIENTIFIC PASCO SCIENTIFIC HEALTH & WELFARE PLAN	CA	$1.9M	$86K	KAISER FOUNDATION HEALTH PLAN, INC.
HEALTH AND LIFE ORGANIZATION HEALTH AND LIFE ORGANIZATION	CA	$1.6M	$57K	KAISER FOUNDATION HEALTH PLAN, INC.
S & G DISCOUNT OUTLET INC. S & G DISCOUNT OUTLET INC. HEALTH AND WELFARE PLAN	CA	$853K	$48K	KAISER FOUNDATION HEALTH PLAN, INC.

Carrier

Plans

Premium

KAISER FOUNDATION HEALTH PLAN INC

$4.4M

75.0%

WESTERN HEALTH ADVANTAGE

$1.9M

25.0%

State

Plans

Premium

State share

Index

$6.2M

0.0%

12.75x

Sponsor

Loc

Premium

Comp

Carrier

ADAMS GROUP, INC.

ADAMS GROUP, INC. EMPLOYEE WELFARE PLAN

$1.9M

$99K

WESTERN HEALTH ADVANTAGE

PASCO SCIENTIFIC

PASCO SCIENTIFIC HEALTH & WELFARE PLAN

$1.9M

$86K

KAISER FOUNDATION HEALTH PLAN, INC.

HEALTH AND LIFE ORGANIZATION

$1.6M

$57K

KAISER FOUNDATION HEALTH PLAN, INC.

S & G DISCOUNT OUTLET INC.

S & G DISCOUNT OUTLET INC. HEALTH AND WELFARE PLAN

$853K

$48K

KAISER FOUNDATION HEALTH PLAN, INC.