Welfare broker

CDS INSURANCE SERVICES

Mailing address (most recent filing)

2001 EAST FINANCIAL WAY, SUITE 200

GLENDORA, CA 91741

Total comp: $260K
Commissions: $254K
Fees: $6K
Filings: 5
Sponsors: 5

Carrier mix

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

KAISER FOUNDATION HEALTH PLAN INC66.7%
BLUE CROSS OF CALIFORNIA33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
KAISER FOUNDATION HEALTH PLAN INC	2	$1.8M	66.7%
BLUE CROSS OF CALIFORNIA	1	$5.5M	33.3%

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
CA	3	$7.4M	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 CDS INSURANCE SERVICES's plans by broker comp / premium ratio. Median 4.41% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where CDS INSURANCE SERVICES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ADVANCED FRESH CONCEPTS CORPORATION WELFARE PLAN	CA	$5.5M	$287K	BLUE CROSS OF CALIFORNIA
PREMIO, INC. PREMIO, INC. WELFARE BENEFIT PLAN	CA	$1.2M	$45K	KAISER FOUNDATION HEALTH PLAN INC
CALIFORNIA COMMERCIAL POOLS, INC. CALIFORNIA COMMERCIAL POOLS, INC. INSURANCE PROGRAM	CA	$588K	$0	KAISER PERMANANTE

Carrier

Plans

Premium

KAISER FOUNDATION HEALTH PLAN INC

$1.8M

66.7%

BLUE CROSS OF CALIFORNIA

$5.5M

33.3%

State

Plans

Premium

State share

Index

$7.4M

0.0%

12.75x

Sponsor

Loc

Premium

Comp

Carrier

ADVANCED FRESH CONCEPTS CORPORATION

WELFARE PLAN

$5.5M

$287K

BLUE CROSS OF CALIFORNIA

PREMIO, INC.

PREMIO, INC. WELFARE BENEFIT PLAN

$1.2M

$45K

KAISER FOUNDATION HEALTH PLAN INC

CALIFORNIA COMMERCIAL POOLS, INC.

CALIFORNIA COMMERCIAL POOLS, INC. INSURANCE PROGRAM

$588K

KAISER PERMANANTE