Welfare broker

BERNARDINI & DONOVAN INS. SERVICES

Mailing address (most recent filing)

1200 CALIFORNIA STREET

REDLANDS, CA 92374

Total comp: $73K
Commissions: $73K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

Where BERNARDINI & DONOVAN INS. SERVICES places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

PRINCIPAL LIFE INSURANCE COMPANY50.0%
AETNA LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PRINCIPAL LIFE INSURANCE COMPANY	1	$106K	50.0%
AETNA LIFE INSURANCE COMPANY	1	$1.2M	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
CA	2	$1.3M	0.0%	12.83x

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 BERNARDINI & DONOVAN INS. SERVICES's plans by broker comp / premium ratio. Median 8.81% vs welfare-wide median 6.31% (n=2).

Prospect-flag exposure · vs market baseline

Share of BERNARDINI & DONOVAN INS. SERVICES's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where BERNARDINI & DONOVAN INS. SERVICES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
NORTH KERN SOUTH TULARE HOSPITAL NORTH KERN SOUTH TULARE DBA DELANO DISTRICT SKILLED NURSING FACILITY	CA	$1.2M	$71K	AETNA HEALTH OF CALIFORNIA INC.
NORTH KERN SOUTH TULARE HOSPITAL NORTH KERN SOUTH TULARE DBA DELANO DISTRICT SKILLED NURSING FACILITY	CA	$106K	$12K	PRINCIPAL LIFE INSURANCE COMPANY

Carrier

Plans

Premium

PRINCIPAL LIFE INSURANCE COMPANY

$106K

50.0%

AETNA LIFE INSURANCE COMPANY

$1.2M

50.0%

State

Plans

Premium

State share

Index

$1.3M

0.0%

12.83x

Sponsor

Loc

Premium

Comp

Carrier

NORTH KERN SOUTH TULARE HOSPITAL

NORTH KERN SOUTH TULARE DBA DELANO DISTRICT SKILLED NURSING FACILITY

$1.2M

$71K

AETNA HEALTH OF CALIFORNIA INC.

NORTH KERN SOUTH TULARE HOSPITAL

NORTH KERN SOUTH TULARE DBA DELANO DISTRICT SKILLED NURSING FACILITY

$106K

$12K

PRINCIPAL LIFE INSURANCE COMPANY