Welfare broker

CHERYL GOLENDA INSURANCE AGENCY INC

Mailing address (most recent filing)

750 KEARNEY ST

DENVER, CO 80220

Total comp: $120K
Commissions: $120K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

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

AETNA LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
AETNA LIFE INSURANCE COMPANY	1	$4.3M	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
CO	1	$4.3M	0.1%	81.26x

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 CHERYL GOLENDA INSURANCE AGENCY INC's plans by broker comp / premium ratio. Median 3.92% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where CHERYL GOLENDA INSURANCE AGENCY INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
VITAMIN COTTAGE NATURAL FOOD MARKETS INC VITAMIN COTTAGE NATURAL FOOD MARKETS INC EMPLOYEE BENEFITS PLAN	CO	$4.3M	$170K	AETNA LIFE INSURANCE COMPANY