Welfare broker

DOWNTOWN BUZZ INC DBA REFERENCE INS

Mailing address (most recent filing)

15-2714 PAHOA VILLAGE ROAD

UNIT H1 PMG 235

PAHOA, HI 96778

Total comp: $15K
Commissions: $15K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

Where DOWNTOWN BUZZ INC DBA REFERENCE INS places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

KAISER FOUNDATION HEALTH PLAN INC100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
KAISER FOUNDATION HEALTH PLAN INC	1	$3.1M	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
WA	1	$3.1M	0.1%	62.23x

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 DOWNTOWN BUZZ INC DBA REFERENCE INS's plans by broker comp / premium ratio. Median 0.50% vs welfare-wide median 6.35% (n=1).

Prospect-flag exposure · vs market baseline

Share of DOWNTOWN BUZZ INC DBA REFERENCE INS's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where DOWNTOWN BUZZ INC DBA REFERENCE INS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
MCGEE AIR SERVICES, INC. MCGEE AIR SERVICES, INC. HEALTH AND WELFARE PLAN	WA	$3.1M	$15K	KAISER FOUNDATION HEALTH PLAN INC

Carrier

Plans

Premium

KAISER FOUNDATION HEALTH PLAN INC

$3.1M

100.0%

State

Plans

Premium

State share

Index

$3.1M

0.1%

62.23x

Sponsor

Loc

Premium

Comp

Carrier

MCGEE AIR SERVICES, INC.

MCGEE AIR SERVICES, INC. HEALTH AND WELFARE PLAN

$3.1M

$15K

KAISER FOUNDATION HEALTH PLAN INC