Welfare broker

CAVIGNAC & ASSOCIATES

Mailing address (most recent filing)

451 A STREET STE 1800

SAN DIEGO, CA 92101

Total comp: $10K
Commissions: $9K
Fees: $1K
Filings: 6
Sponsors: 6

Carrier mix

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

KAISER FOUNDATION HEALTH PLAN INC100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
KAISER FOUNDATION HEALTH PLAN INC	1	$29K	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	$29K	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 CAVIGNAC & ASSOCIATES's plans by broker comp / premium ratio. Median n/a vs welfare-wide median 6.29% (n=0).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
HEAVY METAL STEEL COMPANY, INC. INS HEAVY METAL STEEL COMPANY, INC. INSURANCE PROGRAM	CA	$29K	$0	KAISER PERMANENTE