Welfare broker

BENEFIT RIVER, LLC

Mailing address (most recent filing)

722 WASHINGTON AVENUE

SUITE 208

GOLDEN, CO 80401

Total comp: $90K
Commissions: $90K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

Where BENEFIT RIVER, LLC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

CIGNA HEALTH AND LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$645K	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
CO	1	$645K	0.1%	81.26x

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 BENEFIT RIVER, LLC's plans by broker comp / premium ratio. Median 13.91% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of BENEFIT RIVER, LLC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where BENEFIT RIVER, LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
MISSION YOGURT, INC. MISSION YOGURT, INC. EMPLOYEE BENEFITS PLAN	CO	$645K	$90K	CIGNA HEALTH AND LIFE INSURANCE COMPANY