Welfare broker

BRANDON PENKO

Mailing address (most recent filing)

4927 MAGNOLIA BEND DR

ROSHARON, TX 77583

Total comp: $2.0M
Commissions: $2.0M
Fees: $24K
Filings: 75
Sponsors: 75

Carrier mix

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

UNITED HERITAGE LIFE INSURANCE COMPANY37.5%
BLUE CROSS OF CALIFORNIA18.8%
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY12.5%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA12.5%
TRUSTMARK INSURANCE COMPANY6.3%
COMBINED INSURANCE COMPANY OF AMERICA6.3%
CIGNA HEALTH AND LIFE INSURANCE COMPANY6.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITED HERITAGE LIFE INSURANCE COMPANY	6	$889K	37.5%
BLUE CROSS OF CALIFORNIA	3	$5.8M	18.8%
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY	2	$1.1M	12.5%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	2	$881K	12.5%
TRUSTMARK INSURANCE COMPANY	1	$213K	6.3%
COMBINED INSURANCE COMPANY OF AMERICA	1	$185K	6.3%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$279K	6.3%

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
ID	6	$889K	1.4%	99.38x
KY	3	$1.3M	0.1%	3.69x
PA	2	$881K	0.0%	3.00x
NC	2	$3.3M	0.1%	5.97x
TX	1	$2.6M	0.0%	1.04x
NJ	1	$279K	0.0%	2.90x
CA	1	$213K	0.0%	0.80x

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 BRANDON PENKO's plans by broker comp / premium ratio. Median 15.00% vs welfare-wide median 6.29% (n=16).

Prospect-flag exposure · vs market baseline

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

1-16 of 16 sponsors where BRANDON PENKO is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
DIVERSITY-VUTEQ, LLC DIVERSITY-VUTEQ EMPLOYEE BENEFITS PLAN	KY	$691K	$243K	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY
HILLANDALE GETTYSBURG, LP HILLANDALE GETTYSBURG, LP HEALTH AND WELFARE BENEFIT PLAN	PA	$760K	$177K	GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
DIVERSITY-VUTEQ, LLC DIVERSITY-VUTEQ EMPLOYEE BENEFIT PLANS	KY	$445K	$160K	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY
VUTEQ USA, INC. VUTEQ USA INC. EMPLOYEE HEALTH INSURANCE PLAN	KY	$185K	$107K	COMBINED INSURANCE COMPANY
PRIME PENSIONS, INC. PRIME PENSIONS, INC. HEALTH AND WELFARE PLAN	NJ	$279K	$66K	CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES
OTC GLOBAL HOLDINGS, LP OTC GLOBAL HOLDINGS, LP WELFARE BENEFITS PLAN	TX	$2.6M	$59K	BLUE CROSS BLUE SHIELD OF TEXAS
GALLIKER DAIRY COMPANY INC. GALLIKER DAIRY COMPANY UNION EMPLOYEEES LIFE INSURANCE	PA	$120K	$45K	GUARDIAN
NORCO, INC. NORCO, INC. HEALTH & WELFARE PLAN	ID	$625K	$37K	UNITED HERITAGE LIFE INSURANCE COMPANY
SIGNUPGENIUS SIGNUPGENIUS 5500 PLAN	NC	$1.4M	$33K	BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA
AYRES MANAGEMENT, L.P. AYRES MANAGEMENT, L.P. HEALTH & WELFARE PLAN	CA	$213K	$23K	TRUSTMARK INSURANCE COMPANY
ADVANCED INPUT DEVICES, INC. ADVANCED INPUT DEVICES SHORT TERM DISABILITY	ID	$79K	$12K	UNITED HERITAGE LIFE INSURANCE COMPANY
ADVANCED INPUT DEVICES, INC. ADVANCED INPUT DEVICES LIFE AND AD&D	ID	$71K	$11K	UNITED HERITAGE LIFE INSURANCE COMPANY
SAERTEX USA,LLC SAERTEX USA, LLC MEDICAL PLAN	NC	$1.9M	$10K	BLUE CROSS BLUE SHIELD OF NORTH CAROLINA
ADVANCED INPUT DEVICES, INC. ADVANCED INPUT DEVICES LONG TERM DISABILITY	ID	$57K	$9K	UNITED HERITAGE LIFE INSURANCE COMPANY
MOSCOW BUILDING SUPPLY, INC. MOSCOW & PULLMAN BUILDING SUPPLY	ID	$33K	$5K	UNITED HERITAGE LIFE INSURANCE COMPANY
ADVANCED INPUT DEVICES, INC. ADVANCED INPUT DEVICES VISION PLAN	ID	$24K	$2K	UNITED HERITAGE LIFE INSURANCE COMPANY