Welfare broker

FRANCISCO J FIGUEROA RIVERA

Mailing address (most recent filing)

BAYAMON GARDENS

F-6 CALLE 18

BAYAMON, PR 00957

Total comp: $39K
Commissions: $39K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

MCS LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
MCS LIFE INSURANCE COMPANY	1	$1.5M	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
PR	1	$1.5M	0.2%	223.06x

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 J FIGUEROA RIVERA's plans by broker comp / premium ratio. Median 5.08% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
HATO REY PATHOLOGY ASSOCIATES INC HATO REY PATHOLOGY ASSOCIATES INC HEALTH PLAN	PR	$1.5M	$77K	MCS LIFE INSURANCE COMPANY