Welfare broker

HELEN LOUISE LUDVIGSON

Mailing address (most recent filing)

3405 NW 122ND STREET

VANCOUVER, WA 98685

Total comp: $135
Commissions: $135
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

BLUE CROSS OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	1	$3.4M	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	$3.4M	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 HELEN LOUISE LUDVIGSON's plans by broker comp / premium ratio. Median 0.01% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where HELEN LOUISE LUDVIGSON is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CALIFORNIA ASSOCIATION OF HOSPITALS AND HEALTH SYSTEMS CALIFORNIA ASSOCIATION OF HOSPITALS AND HEALTH SYSTEMS CONSOLIDATED WELFARE BENEFIT PLAN	CA	$3.4M	$231	BLUE SHIELD OF CALIFORNIA