Welfare broker

FINCEPTS LLC

Mailing address (most recent filing)

PO BOX 5353

SANTA FE, NM 87502

Total comp: $75K
Commissions: $28K
Fees: $47K
Filings: 1
Sponsors: 1

Carrier mix

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

UNITED HEALTHCARE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITED HEALTHCARE INSURANCE COMPANY	1	$1.9M	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
NM	1	$1.9M	0.4%	454.90x

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 FINCEPTS LLC's plans by broker comp / premium ratio. Median 5.11% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where FINCEPTS LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CENTURY BANK CENTURY BANK FLEXIBLE BENEFIT PLAN	NM	$1.9M	$96K	UNITED HEALTHCARE INSURANCE COMPANY