Welfare broker

CRAVINHO & JAEGER FINANCIAL SERVICE

Mailing address (most recent filing)

PO BOX 188

SALEM, OR 97308

Total comp: $176K
Commissions: $174K
Fees: $1K
Filings: 6
Sponsors: 6

Carrier mix

Where CRAVINHO & JAEGER FINANCIAL SERVICE places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

MODA HEALTH100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
MODA HEALTH	1	$4.4M	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
OR	1	$4.4M	0.1%	104.57x

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 CRAVINHO & JAEGER FINANCIAL SERVICE's plans by broker comp / premium ratio. Median 4.42% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of CRAVINHO & JAEGER FINANCIAL SERVICE's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where CRAVINHO & JAEGER FINANCIAL SERVICE is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
K&E EXCAVATING, INC. K&E EXCAVATING, INC. EMPLOYEE BENEFITS PLAN	OR	$4.4M	$194K	MODA HEALTH