Welfare broker

BOWERMASTER & ASSOCIATES INSURANCE

Mailing address (most recent filing)

10805 HOLDER STREET

CYPRESS, CA 90630

Total comp: $100K
Commissions: $100K
Fees: $0
Filings: 4
Sponsors: 4

Carrier mix

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

AETNA LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
AETNA LIFE INSURANCE COMPANY	1	$2.7M	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	$2.7M	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 BOWERMASTER & ASSOCIATES INSURANCE's plans by broker comp / premium ratio. Median 5.64% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where BOWERMASTER & ASSOCIATES INSURANCE is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
E.S. KLUFT & COMPANY, INC. E. S. KLUFT & COMPANY, INC. WELFARE BENEFIT PLAN	CA	$2.7M	$153K	AETNA LIFE INSURANCE COMPANY