Welfare broker

FRANKIE DIAZ OTERO

Mailing address (most recent filing)

RR 4 BOX 3414

BAYAMON, PR 00956

Total comp: $65K
Commissions: $65K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

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

MCS LIFE INSURANCE COMPANY50.0%
DELTA DENTAL OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
MCS LIFE INSURANCE COMPANY	1	$818K	50.0%
DELTA DENTAL OF CALIFORNIA	1	$32K	50.0%

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	2	$850K	0.4%	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 FRANKIE DIAZ OTERO's plans by broker comp / premium ratio. Median 5.47% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where FRANKIE DIAZ OTERO is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
DESTILERIA SERRALLES UNION MCS DESTILERIA SERRALLES UNION	PR	$818K	$49K	MCS LIFE INSURANCE COMPANY
DESTILERIA SERRALLES UNION DENTAL DESTILERIA SERRALLES UNIONADO	PR	$32K	$2K	DELTA DENTAL OF PUERTO RICO INC

Carrier

Plans

Premium

MCS LIFE INSURANCE COMPANY

$818K

50.0%

DELTA DENTAL OF CALIFORNIA

$32K

50.0%

State

Plans

Premium

State share

Index

$850K

0.4%

223.06x

Sponsor

Loc

Premium

Comp

Carrier

DESTILERIA SERRALLES UNION MCS

DESTILERIA SERRALLES UNION

$818K

$49K

MCS LIFE INSURANCE COMPANY

DESTILERIA SERRALLES UNION DENTAL

DESTILERIA SERRALLES UNIONADO

$32K

$2K

DELTA DENTAL OF PUERTO RICO INC