Welfare broker

DEBUDUO & DEFENDIS AGENCY

Mailing address (most recent filing)

6873 N. WEST AVENUE #101

FRESNO, CA 937114308

Total comp: $71K
Commissions: $64K
Fees: $7K
Filings: 2
Sponsors: 2

Carrier mix

Where DEBUDUO & DEFENDIS AGENCY places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA50.0%
ANTHEM LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$226K	50.0%
ANTHEM LIFE INSURANCE COMPANY	1	$1.9M	50.0%

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	$2.2M	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 DEBUDUO & DEFENDIS AGENCY's plans by broker comp / premium ratio. Median 8.55% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of DEBUDUO & DEFENDIS AGENCY's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where DEBUDUO & DEFENDIS AGENCY is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
JOHN AGUILAR & COMPANY, DBA VERNON TRANSPORTATION JOHN AGUILAR & COMPANY, DBA VERNON TRANSPORTATION HEALTH & WELFARE PLAN	CA	$1.9M	$88K	ANTHEM BLUE CROSS
HINDS HOSPICE HINDS HOSPICE HEALTH & WELFARE PLAN	CA	$226K	$28K	GUARDIAN

Carrier

Plans

Premium

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

$226K

50.0%

ANTHEM LIFE INSURANCE COMPANY

$1.9M

50.0%

State

Plans

Premium

State share

Index

$2.2M

0.0%

12.75x

Sponsor

Loc

Premium

Comp

Carrier

JOHN AGUILAR & COMPANY, DBA VERNON TRANSPORTATION

JOHN AGUILAR & COMPANY, DBA VERNON TRANSPORTATION HEALTH & WELFARE PLAN

$1.9M

$88K

ANTHEM BLUE CROSS

HINDS HOSPICE

HINDS HOSPICE HEALTH & WELFARE PLAN

$226K

$28K

GUARDIAN