Welfare broker

CFG INSURANCE

Mailing address (most recent filing)

CAPARRA OFFICE CENTER 200

22 GONZALEZ GUISTI AVE

GUAYNABO, PR 00968

Total comp: $437K
Commissions: $327K
Fees: $110K
Filings: 4
Sponsors: 4

Carrier mix

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

TRIPLE S SALUD, INC.100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
TRIPLE S SALUD, INC.	1	$0	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
PR	1	$0	0.2%	224.68x

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 CFG INSURANCE's plans by broker comp / premium ratio. Median n/a vs welfare-wide median 6.35% (n=0).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
B FERNANDEZ & HERMANOS INC B FERNANDEZ & HNOS HEALTH	PR	$0	$382K	TRIPLE S SALUD INC