Welfare broker

COMPLETE BENEFIT SOLUTIONS

Mailing address (most recent filing)

PO BOX 1292

SEVERNA PARK, MD 21146

Total comp: $181K
Commissions: $145K
Fees: $36K
Filings: 7
Sponsors: 7

Carrier mix

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

BLUE CROSS OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	1	$1.1M	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
MD	1	$1.1M	0.1%	71.90x

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 COMPLETE BENEFIT SOLUTIONS's plans by broker comp / premium ratio. Median 4.79% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where COMPLETE BENEFIT SOLUTIONS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ADVANCED TECHNOLOGY & RESEARCH CORPORATION ADVANCED TECHNOLOGY & RESEARCH HEALTH AND WELFARE BENEFIT PLAN	MD	$1.1M	$51K	CAREFIRST BLUECHOICE, INC.