Welfare broker

EXPERTQUOTE, INC.

Mailing address (most recent filing)

3362 RAINHILL LOOP

ROSEVILLE, CA 95747

Total comp: $1.6M
Commissions: $1.6M
Fees: $59K
Filings: 30
Sponsors: 30

Carrier mix

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

KAISER FOUNDATION HEALTH PLAN INC62.5%
CIGNA HEALTH AND LIFE INSURANCE COMPANY12.5%
PRINCIPAL LIFE INSURANCE COMPANY6.3%
CALIFORNIA CHOICE6.3%
BLUE CROSS OF CALIFORNIA6.3%
AETNA LIFE INSURANCE COMPANY6.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
KAISER FOUNDATION HEALTH PLAN INC	10	$17.7M	62.5%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	2	$4.1M	12.5%
PRINCIPAL LIFE INSURANCE COMPANY	1	$242K	6.3%
CALIFORNIA CHOICE	1	$1.2M	6.3%
BLUE CROSS OF CALIFORNIA	1	$1.0M	6.3%
AETNA LIFE INSURANCE COMPANY	1	$1.3M	6.3%

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	15	$23.5M	0.2%	11.96x
TX	1	$2.0M	0.0%	1.04x

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 EXPERTQUOTE, INC.'s plans by broker comp / premium ratio. Median 6.48% vs welfare-wide median 6.29% (n=16).

Prospect-flag exposure · vs market baseline

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

1-16 of 16 sponsors where EXPERTQUOTE, INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
SAN JOSE SHARKS, LLC SAN JOSE SHARKS, LLC WELFARE BENEFITS PLAN	CA	$5.4M	$271K	KAISER FOUNDATION HEALTH PLAN, INC.
UNITED BUSINESS BANK UNITED BUSINESS BANK HEALTH AND WELFARE	CA	$3.4M	$190K	KAISER FOUNDATION HEALTH PLAN, INC.
PRISM ONE SOLUTIONS LLC PRISM ONE SOLUTIONS LLC HEALTH AND WELFARE BENEFIT PLAN	TX	$2.0M	$147K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
AVIDBANK AVIDBANK HEALTH AND WELFARE BENEFIT PLAN	CA	$2.1M	$120K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
BRIGHTINSIGHT BRIGHTINSIGHT, INC. HEALTH AND WELFARE BENEFIT PLAN	CA	$1.0M	$97K	BLUE CROSS OF CALIFORNIA
TEAM SAN JOSE TEAM SAN JOSE HEALTH & WELFARE PLAN	CA	$1.3M	$93K	AETNA HEALTH INSURANCE
NATIONAL HOME HEALTH STAFFING NATIONAL HOME HEALTH STAFFING HEALTH AND WELFARE BENEFIT PLAN	CA	$1.2M	$92K	CALIFORNIACHOICE
PACIFIC GROSERVICE, INC. PITCO FOODS HEALTH AND WELFARE BENEFIT PLAN	CA	$2.4M	$77K	KAISER FOUNDATION HEALTH PLAN, INC.
KAISERAIR, INC. KAISERAIR HEALTH AND WELFARE PLAN	CA	$1.4M	$74K	KAISER FOUNDATION HEALTH PLAN, INC.
ASCEND REHAB SERVICES, INC. ASCEND REHAB SERVICES, INC. BENEFIT PLAN	CA	$902K	$67K	KAISER FOUNDATION HEALTH PLAN, INC.
BAKHTIARI AUTO GROUP BAKHTIARI AUTOMOTIVE GROUP HEALTH AND WELFARE PLAN	CA	$1.4M	$64K	KAISER FOUNDATION HEALTH PLAN, INC.
ARYAKA NETWORKS, INC. ARYAKA NETWORKS, INC. HEALTH AND WELFARE PLAN	CA	$678K	$56K	KAISER FOUNDATION HEALTH PLAN INC
THE TECH INTERACTIVE THE TECH INTERACTIVE HEALTH AND WELFARE BENEFIT PLAN	CA	$761K	$45K	KAISER FOUNDATION HEALTH PLAN, INC.
FRESNO M, LLC FRESNO M, LLC. HEALTH AND WELFARE BENEFIT PLAN	CA	$400K	$37K	KAISER FOUNDATION HEALTH PLAN, INC.
CORDEVALLE CORDEVALLE HEALTH AND WELFARE BENEFIT PLAN	CA	$242K	$36K	PRINCIPAL LIFE INSURANCE COMPANY
SAARMAN CONSTRUCTION LTD SAARMAN CONSTRUCTION, LTD HEALTH AND WELFARE PLAN	CA	$956K	$34K	KAISER FOUNDATION HEALTH PLAN, INC.