Welfare broker

CHARLOTTE R SANTA CRUZ

Mailing address (most recent filing)

718 DUNBAR AVENUE

#3A

BAY ST. LOUIS, MS 39520

Total comp: $309K
Commissions: $308K
Fees: $1K
Filings: 32
Sponsors: 32

Carrier mix

Where CHARLOTTE R SANTA CRUZ places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

AMERICAN HERITAGE LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
AMERICAN HERITAGE LIFE INSURANCE COMPANY	1	$38K	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
LA	1	$38K	0.1%	127.11x

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 CHARLOTTE R SANTA CRUZ's plans by broker comp / premium ratio. Median 21.95% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of CHARLOTTE R SANTA CRUZ's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where CHARLOTTE R SANTA CRUZ is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
E.T. INTERNATIONAL, LLC ACURA & INFINITI WELFARE BENEFIT PLAN	LA	$38K	$8K	AMERICAN HERITAGE LIFE INSURANCE COMPANY