Welfare broker

BUSINESS PLANNING CONCEPTS

Mailing address (most recent filing)

PO BOX 17639

JACKSONVILLE, FL 32245

Total comp: $44K
Commissions: $43K
Fees: $1K
Filings: 2
Sponsors: 2

Carrier mix

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

BLUE CROSS OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	1	$527K	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
TX	1	$527K	0.0%	16.42x

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 BUSINESS PLANNING CONCEPTS's plans by broker comp / premium ratio. Median 5.26% vs welfare-wide median 6.40% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where BUSINESS PLANNING CONCEPTS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
HEARD AND SMITH LLP HEARD & SMITH HEALTH & WELFARE BENEFITS PLAN	TX	$527K	$28K	BLUECROSS BLUESHIELD OF TEXAS