Welfare broker

DAVID O CHRISTENSEN

Mailing address (most recent filing)

396 CYPRESS DR APT F

LAGUNA BEACH, CA 92651

Total comp: $105K
Commissions: $84K
Fees: $21K
Filings: 15
Sponsors: 15

Carrier mix

Where DAVID O CHRISTENSEN places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

KAISER FOUNDATION HEALTH PLAN INC100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
KAISER FOUNDATION HEALTH PLAN INC	1	$1.0M	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	1	$1.0M	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 O CHRISTENSEN's plans by broker comp / premium ratio. Median 5.93% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of DAVID O CHRISTENSEN's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where DAVID O CHRISTENSEN is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
BEST OVERNITE EXPRESS, INC. BEST OVERNITE EXPRESS, INC. HEALTH & WELFARE BENEFIT PLAN	CA	$1.0M	$60K	KAISER FOUNDATION HEALTH PLAN INC.