Welfare broker

DBG FINANCIAL GROUP, INC

Mailing address (most recent filing)

17852 US HWY 41 N.

LUTZ, FL 33549

Total comp: $69K
Commissions: $0
Fees: $69K
Filings: 1
Sponsors: 1

Carrier mix

Where DBG FINANCIAL GROUP, INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

CIGNA HEALTH AND LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$2.3M	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
FL	1	$2.3M	0.0%	25.39x

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 DBG FINANCIAL GROUP, INC's plans by broker comp / premium ratio. Median 4.77% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of DBG FINANCIAL GROUP, INC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where DBG FINANCIAL GROUP, INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ELECTROSTIM MEDICAL SERVICES, INC. ELECTROSTIM MEDICAL SERVICES, INC. SECTION 125 PLAN	FL	$2.3M	$111K	CIGNA HEALTH AND LIFE INSURANCE COMPANY