Welfare broker

ERNST CONSULTING SOLUTIONS INC

Mailing address (most recent filing)

13200 CHEYENNE MOUNTAIN DRIVE

BAKERSFIELD, CA 93314

Total comp: $145K
Commissions: $140K
Fees: $5K
Filings: 2
Sponsors: 2

Carrier mix

Where ERNST CONSULTING SOLUTIONS INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITEDHEALTHCARE INSURANCE COMPANY50.0%
RELIANCEMATRIX50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$1.9M	50.0%
RELIANCEMATRIX	1	$68K	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	$2.0M	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 ERNST CONSULTING SOLUTIONS INC's plans by broker comp / premium ratio. Median 14.62% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of ERNST CONSULTING SOLUTIONS INC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where ERNST CONSULTING SOLUTIONS INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
VEG FRESH FARMS LLC VEG FRESH FARMS LLC BENEFIT PLAN	CA	$1.9M	$175K	UNITEDHEALTHCARE INSURANCE COMPANY
DUARTE NURSERY, INC. DUARTE NURSERY, INC. BENEFIT PLAN	CA	$68K	$14K	RELIANCEMATRIX

Carrier

Plans

Premium

UNITEDHEALTHCARE INSURANCE COMPANY

$1.9M

50.0%

RELIANCEMATRIX

$68K

50.0%

State

Plans

Premium

State share

Index

$2.0M

0.0%

12.75x

Sponsor

Loc

Premium

Comp

Carrier

VEG FRESH FARMS LLC

VEG FRESH FARMS LLC BENEFIT PLAN

$1.9M

$175K

UNITEDHEALTHCARE INSURANCE COMPANY

DUARTE NURSERY, INC.

DUARTE NURSERY, INC. BENEFIT PLAN

$68K

$14K

RELIANCEMATRIX