Welfare broker

DANNY R. OSTER

Mailing address (most recent filing)

11812 SAWGRASS LANE

FREDERICKSBURG, VA 22407

Total comp: $112K
Commissions: $112K
Fees: $0
Filings: 8
Sponsors: 8

Carrier mix

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

HARTFORD LIFE AND ACCIDENT100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HARTFORD LIFE AND ACCIDENT	1	$752K	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
VA	1	$752K	0.0%	45.89x

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 DANNY R. OSTER's plans by broker comp / premium ratio. Median 18.51% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where DANNY R. OSTER is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
SAFFORD AUTOMOTIVE GROUP SAFFORD AUTOMOTIVE WELFARE BENEFIT PLAN	VA	$752K	$139K	HARTFORD LIFE AND ACCIDENT