Welfare broker

CLIFFORD BENEFITS GROUP

Mailing address (most recent filing)

4465 GRANITE DR

SUITE 1024

ROCKLIN, CA 95677

Carrier mix

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

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
KAISER FOUNDATION HEALTH PLAN INC	3	$4.0M	60.0%
PRINCIPAL LIFE INSURANCE COMPANY	1	$186K	20.0%
CALIFORNIA CHOICE	1	$2.1M	20.0%

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
CA	5	$6.3M	0.1%	12.75x

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 CLIFFORD BENEFITS GROUP's plans by broker comp / premium ratio. Median 6.20% vs welfare-wide median 6.29% (n=5).

Prospect-flag exposure · vs market baseline

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

1-5 of 5 sponsors where CLIFFORD BENEFITS GROUP is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
AMERICAN RIVER HEALTHCARE AMERICAN RIVER HEALTHCARE WELFARE PLAN	CA	$2.1M	$152K	CALIFORNIA CHOICE
TIMBERWORKS CONSTRUCTION, INC. TIMBERWORKS CONSTRUCTION, INC. WELFARE BENEFITS PLAN	CA	$1.7M	$92K	KAISER FOUNDATION HEALTH PLAN INC
CAMBLIN STEEL SERVICE, INC CAMBLIN STEEL SERVICES HEALTH & WELFARE PLAN	CA	$1.2M	$77K	KAISER FOUNDATION HEALTH PLAN, INC.
LB CONSTRUCTION INC. LB CONSTRUCTION INC. - WELFARE PLAN	CA	$1.0M	$53K	KAISER FOUNDATION HEALTH PLAN INC
MAAS ENERGY WORKS, LLC MAAS ENERGY WORKS, LLC HEALTH & WELFARE BENEFIT PLAN	CA	$186K	$27K	PRINCIPAL LIFE INSURANCE COMPANY