Welfare broker

GUTTMAN FINANCIAL

Mailing address (most recent filing)

6345 BALBOA BLVD., SUITE 290

ENCINO, CA 91316

Total comp: $170K
Commissions: $170K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

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

UNITED HEALTHCARE INSURANCE COMPANY50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITED HEALTHCARE INSURANCE COMPANY	1	$1.9M	50.0%
BLUE CROSS OF CALIFORNIA	1	$891K	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
CA	2	$2.8M	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 GUTTMAN FINANCIAL's plans by broker comp / premium ratio. Median 7.42% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where GUTTMAN FINANCIAL is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
SPHERECOMMERCE LLC SPHERECOMMERCE LLC WELFARE BENEFITS PLAN	CA	$1.9M	$133K	UNITED HEALTHCARE INSURANCE COMPANY
OUTDOOR DIMENSIONS OUTDOOR DIMENSIONS LLC WELFARE BENEFIT PLAN	CA	$891K	$69K	BLUE CROSS OF CALIFORNIA

Carrier

Plans

Premium

UNITED HEALTHCARE INSURANCE COMPANY

$1.9M

50.0%

BLUE CROSS OF CALIFORNIA

$891K

50.0%

State

Plans

Premium

State share

Index

$2.8M

0.0%

12.75x

Sponsor

Loc

Premium

Comp

Carrier

SPHERECOMMERCE LLC

SPHERECOMMERCE LLC WELFARE BENEFITS PLAN

$1.9M

$133K

UNITED HEALTHCARE INSURANCE COMPANY

OUTDOOR DIMENSIONS

OUTDOOR DIMENSIONS LLC WELFARE BENEFIT PLAN

$891K

$69K

BLUE CROSS OF CALIFORNIA