Welfare broker

CARMAN AND FAIRBANKS INSURANCE

Mailing address (most recent filing)

12006 BROAD TERRACE OAKLAND

PIEDMONT, CA 94611

Total comp: $176K
Commissions: $176K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

Where CARMAN AND FAIRBANKS INSURANCE places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

ANTHEM LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
ANTHEM LIFE INSURANCE COMPANY	1	$2.8M	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	$2.8M	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 CARMAN AND FAIRBANKS INSURANCE's plans by broker comp / premium ratio. Median 6.14% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of CARMAN AND FAIRBANKS INSURANCE's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where CARMAN AND FAIRBANKS INSURANCE is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
NEPTUNE MEDICAL, INC NEPTUNE MEDICAL, INC WELFARE BENEFIT PLAN	CA	$2.8M	$170K	ANTHEM BLUE CROSS AND BLUE SHIELD