Welfare broker

BENEFITS AMERICA INSURANCE SERVICES

Mailing address (most recent filing)

1800 QUAIL STREET, SUITE 110

NEWPORT BEACH, CA 92660

Total comp: $9.3M
Commissions: $8.4M
Fees: $850K
Filings: 138
Sponsors: 138

Carrier mix

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

AETNA LIFE INSURANCE COMPANY28.0%
KAISER FOUNDATION HEALTH PLAN INC26.0%
CALIFORNIA PHYSICIANS SERVICE10.0%
BLUE CROSS OF CALIFORNIA10.0%
UNITED HEALTHCARE INSURANCE COMPANY8.0%
UNITED OF OMAHA LIFE INSURANCE COMPANY6.0%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA4.0%
ANTHEM LIFE INSURANCE COMPANY4.0%
Other (2)4.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
AETNA LIFE INSURANCE COMPANY	14	$48.0M	28.0%
KAISER FOUNDATION HEALTH PLAN INC	13	$24.7M	26.0%
CALIFORNIA PHYSICIANS SERVICE	5	$18.4M	10.0%
BLUE CROSS OF CALIFORNIA	5	$8.5M	10.0%
UNITED HEALTHCARE INSURANCE COMPANY	4	$19.1M	8.0%
UNITED OF OMAHA LIFE INSURANCE COMPANY	3	$401K	6.0%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	2	$578K	4.0%
ANTHEM LIFE INSURANCE COMPANY	2	$5.6M	4.0%
RELIANCE STANDARD LIFE INSURANCE COMPANY	1	$3K	2.0%
METROPOLITAN LIFE INSURANCE COMPANY	1	$82K	2.0%

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	46	$106.7M	0.5%	11.28x
NV	2	$6.1M	0.4%	8.70x
AZ	2	$5.7M	0.1%	3.30x
MI	1	$9.6M	0.0%	0.79x
IL	1	$1.6M	0.0%	0.55x

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 BENEFITS AMERICA INSURANCE SERVICES's plans by broker comp / premium ratio. Median 5.71% vs welfare-wide median 6.29% (n=52).

Prospect-flag exposure · vs market baseline

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

51-52 of 52 sponsors where BENEFITS AMERICA INSURANCE SERVICES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
PHILO, INC. PHILO, INC. ANCILLARY PLAN	CA	$25K	$3K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
LEGACY EDUCATION INC LEGACY EDUCATION INC. HEALTH AND WELFARE PLAN	CA	$3K	$382	RELIANCE STANDARD LIFE INSURANCE COMPANY