Welfare broker

DAVID ERNSTAM FINANCIAL & INS SVCS

Mailing address (most recent filing)

1625 BUTTE HOUSE RD

YUBA CITY, CA 95993

Total comp: $102K
Commissions: $57K
Fees: $45K
Filings: 2
Sponsors: 2

Carrier mix

Where DAVID ERNSTAM FINANCIAL & INS SVCS 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	2	$1.7M	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
CA	2	$1.7M	0.0%	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 DAVID ERNSTAM FINANCIAL & INS SVCS's plans by broker comp / premium ratio. Median 7.85% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of DAVID ERNSTAM FINANCIAL & INS SVCS's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where DAVID ERNSTAM FINANCIAL & INS SVCS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
WILLOW GLEN CARE CENTER WILLOW GLEN CARE CENTER WELFARE BENEFIT PLAN	CA	$917K	$67K	BLUE SHIELD OF CALIFORNIA
NORTH VALLEY BEHAVIORAL HEALTH, LLC NORTH VALLEY BEHAVIORAL HEALTH WELFARE BENEFIT PLAN	CA	$796K	$66K	BLUE CROSS OF CALIFORNIA

Carrier

Plans

Premium

BLUE CROSS OF CALIFORNIA

$1.7M

100.0%

State

Plans

Premium

State share

Index

$1.7M

0.0%

12.75x

Sponsor

Loc

Premium

Comp

Carrier

WILLOW GLEN CARE CENTER

WILLOW GLEN CARE CENTER WELFARE BENEFIT PLAN

$917K

$67K

BLUE SHIELD OF CALIFORNIA

NORTH VALLEY BEHAVIORAL HEALTH, LLC

NORTH VALLEY BEHAVIORAL HEALTH WELFARE BENEFIT PLAN

$796K

$66K

BLUE CROSS OF CALIFORNIA