Welfare broker

CHRISTINA GONZALES

Mailing address (most recent filing)

1591 GALBRAITH AVENUE

GRAND RAPIDS, MI 49546

Total comp: $59K
Commissions: $59K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

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

BLUE CARE NETWORK OF MICHIGAN50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CARE NETWORK OF MICHIGAN	1	$914K	50.0%
BLUE CROSS OF CALIFORNIA	1	$1.2M	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
MI	2	$2.2M	0.1%	41.16x

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 CHRISTINA GONZALES's plans by broker comp / premium ratio. Median 4.89% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where CHRISTINA GONZALES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
SHORELINE FRUIT, LLC SHORELINE FRUIT, LLC HEALTH BENEFIT PLAN	MI	$914K	$57K	BLUE CARE NETWORK OF MICHIGAN
US RETAIL INC. US RETAIL INC DBA PET SUPPLIES PLUS HEALTH AND WELFARE PLAN	MI	$1.2M	$44K	BLUE CROSS BLUE SHIELD OF MICHIGAN

Carrier

Plans

Premium

BLUE CARE NETWORK OF MICHIGAN

$914K

50.0%

BLUE CROSS OF CALIFORNIA

$1.2M

50.0%

State

Plans

Premium

State share

Index

$2.2M

0.1%

41.16x

Sponsor

Loc

Premium

Comp

Carrier

SHORELINE FRUIT, LLC

SHORELINE FRUIT, LLC HEALTH BENEFIT PLAN

$914K

$57K

BLUE CARE NETWORK OF MICHIGAN

US RETAIL INC.

US RETAIL INC DBA PET SUPPLIES PLUS HEALTH AND WELFARE PLAN

$1.2M

$44K

BLUE CROSS BLUE SHIELD OF MICHIGAN