Welfare broker

DER MANOUEL INSURANCE GROUP

Mailing address (most recent filing)

548 WEST CROMWELL AVENUE

FRESNO, CA 93711

Total comp: $189K
Commissions: $185K
Fees: $4K
Filings: 14
Sponsors: 14

Carrier mix

Where DER MANOUEL INSURANCE GROUP places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

HUB INTERNATIONAL100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HUB INTERNATIONAL	1	$15K	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	$15K	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 DER MANOUEL INSURANCE GROUP's plans by broker comp / premium ratio. Median 1.70% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of DER MANOUEL INSURANCE GROUP's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where DER MANOUEL INSURANCE GROUP is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
B S K ASSOCIATES B S K ASSOCIATES VISION PLAN	CA	$15K	$258	HUB INTERNATIONAL