Welfare broker

CHARLES D. BLOCK

Mailing address (most recent filing)

16215 LYLE ST.

SAN LEANDRO, CA 94578

Total comp: $507K
Commissions: $478K
Fees: $29K
Filings: 72
Sponsors: 72

Carrier mix

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

UNUM LIFE INSURANCE COMPANY OF AMERICA50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$1.6M	50.0%
BLUE CROSS OF CALIFORNIA	1	$4.8M	50.0%

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
PA	1	$4.8M	0.0%	11.99x
NV	1	$1.6M	0.2%	113.06x

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 CHARLES D. BLOCK's plans by broker comp / premium ratio. Median 3.72% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where CHARLES D. BLOCK is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CARSON TAHOE HEALTH SYSTEM CARSON TAHOE HEALTH SYSTEM	NV	$1.6M	$115K	UNUM LIFE INSURANCE COMPANY OF AMERICA
LINCOLN UNIVERSITY OF THE COMMONWEALTH SYSTEM OF HIGHER EDUCATION LINCOLN UNIVERSITY HEALTH AND WELFARE PLAN	PA	$4.8M	$4K	INDEPENDENCE BLUE CROSS

Carrier

Plans

Premium

UNUM LIFE INSURANCE COMPANY OF AMERICA

$1.6M

50.0%

BLUE CROSS OF CALIFORNIA

$4.8M

50.0%

State

Plans

Premium

State share

Index

$4.8M

0.0%

11.99x

$1.6M

0.2%

113.06x

Sponsor

Loc

Premium

Comp

Carrier

CARSON TAHOE HEALTH SYSTEM

$1.6M

$115K

UNUM LIFE INSURANCE COMPANY OF AMERICA

LINCOLN UNIVERSITY OF THE COMMONWEALTH SYSTEM OF HIGHER EDUCATION

LINCOLN UNIVERSITY HEALTH AND WELFARE PLAN

$4.8M

$4K

INDEPENDENCE BLUE CROSS