Welfare broker

DEBORAH L NOVELO

Mailing address (most recent filing)

PO BOX 146

PLACERVILLE, CA 95567

Carrier mix

Where DEBORAH L NOVELO places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
VIRGINIA H MCDONAGH ESTATE	1	$400	100.0%

Top states

No state data.

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 DEBORAH L NOVELO's plans by broker comp / premium ratio. Median 425.00% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of DEBORAH L NOVELO's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where DEBORAH L NOVELO is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
GURUPRASAD SRIHARI PROBUSVIRGINIAESTATEY15T25	—	$400	$2K	VIRGINIA H MCDONAGH ESTATE