Welfare broker

FRANCISCO COMBES

Mailing address (most recent filing)

3508 VERNADEAN DRIVE SE

ATLANTA, GA 30339

Total comp: $137K
Commissions: $137K
Fees: $0
Filings: 5
Sponsors: 5

Carrier mix

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

UNITED OF OMAHA LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITED OF OMAHA LIFE INSURANCE COMPANY	1	$268K	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
GA	1	$268K	0.0%	15.18x

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 FRANCISCO COMBES's plans by broker comp / premium ratio. Median 27.52% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where FRANCISCO COMBES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
WELL5ASSOCIATES, LLC WELL5ASSOCIATES HEALTH AND WELFARE BENEFITS PLAN	GA	$268K	$74K	UNITED OF OMAHA LIFE INSURANCE COMPANY