Welfare broker

FLORES FINANCIAL SERVICES

Mailing address (most recent filing)

10095 MISSION GORGE RD STE 101

SANTEE, CA 920713888

Total comp: $8K
Commissions: $0
Fees: $8K
Filings: 1
Sponsors: 1

Carrier mix

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

LIFE INSURANCE COMPANY OF NORTH AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
LIFE INSURANCE COMPANY OF NORTH AMERICA	1	$114K	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
CA	1	$114K	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 FLORES FINANCIAL SERVICES's plans by broker comp / premium ratio. Median 7.77% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where FLORES FINANCIAL SERVICES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
IL FORNAIO AMERICA LLC IL FORNAIO HEALTH AND WELFARE PLAN	CA	$114K	$9K	LIFE INSURANCE COMPANY OF NORTH AMERICA