Welfare broker

HEDGES INSURANCE SERVICES LLC

Mailing address (most recent filing)

8105 MORRO ROAD

SUITE C

ATASCADERO, CA 93422

Total comp: $77K
Commissions: $77K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

AETNA LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
AETNA LIFE INSURANCE COMPANY	1	$1.7M	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	$1.7M	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 HEDGES INSURANCE SERVICES LLC's plans by broker comp / premium ratio. Median 5.68% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where HEDGES INSURANCE SERVICES LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
FAMILY CARE NETWORK, INC. FAMILY CARE NETWORK, INC. EMPLOYEE BENEFITS PLAN	CA	$1.7M	$94K	AETNA LIFE INSURANCE COMPANY