Welfare broker

ELSA ALICIA RUIZ

Mailing address (most recent filing)

2816 QUAIL AVE

MCALLEN, TX 785044276

Total comp: $25K
Commissions: $25K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

Where ELSA ALICIA RUIZ places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

BLUE CROSS OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	1	$905K	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
TX	1	$905K	0.0%	16.72x

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 ELSA ALICIA RUIZ's plans by broker comp / premium ratio. Median 8.53% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of ELSA ALICIA RUIZ's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where ELSA ALICIA RUIZ is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
RIO VALLEY PIPE RIO VALLEY PIPE HEALTH AND WELFARE PLAN	TX	$905K	$77K	BLUECROSS BLUESHIELD OF TEXAS