Welfare broker

DENYCE L COOPER

Mailing address (most recent filing)

3093 RANCHO DEL SOL

ESCONDIDO, CA 92025

Total comp: $156K
Commissions: $153K
Fees: $3K
Filings: 2
Sponsors: 2

Carrier mix

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

UNITED HEALTHCARE INSURANCE COMPANY50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITED HEALTHCARE INSURANCE COMPANY	1	$1.5M	50.0%
BLUE CROSS OF CALIFORNIA	1	$1.2M	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	$2.7M	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 DENYCE L COOPER's plans by broker comp / premium ratio. Median 7.66% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where DENYCE L COOPER is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
PALA BAND OF MISSION INDIANS PALA BAND OF MISSION INDIANS WELFARE BENEFITS PLAN	CA	$1.5M	$117K	UNITED HEALTHCARE INSURANCE COMPANY
HEIGHTS CHRISTIAN SCHOOLS HEIGHTS CHRISTIAN SCHOOL HEALTH AND WELFARE PLAN	CA	$1.2M	$91K	BLUE CROSS OF CALIFORNIA

Carrier

Plans

Premium

UNITED HEALTHCARE INSURANCE COMPANY

$1.5M

50.0%

BLUE CROSS OF CALIFORNIA

$1.2M

50.0%

State

Plans

Premium

State share

Index

$2.7M

0.0%

12.75x

Sponsor

Loc

Premium

Comp

Carrier

PALA BAND OF MISSION INDIANS

PALA BAND OF MISSION INDIANS WELFARE BENEFITS PLAN

$1.5M

$117K

UNITED HEALTHCARE INSURANCE COMPANY

HEIGHTS CHRISTIAN SCHOOLS

HEIGHTS CHRISTIAN SCHOOL HEALTH AND WELFARE PLAN

$1.2M

$91K

BLUE CROSS OF CALIFORNIA