Welfare broker

HORSTMANN FINANCIAL & INSURANCE SER

Mailing address (most recent filing)

205 EAST RIVER PARK CIRCLE

SUITE 220

FRESNO, CA 93720

Total comp: $109K
Commissions: $54K
Fees: $55K
Filings: 4
Sponsors: 4

Carrier mix

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

BLUE CROSS OF CALIFORNIA50.0%
ANTHEM LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	1	$1.1M	50.0%
ANTHEM LIFE INSURANCE COMPANY	1	$1.2M	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	$2.3M	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 HORSTMANN FINANCIAL & INSURANCE SER's plans by broker comp / premium ratio. Median 5.68% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where HORSTMANN FINANCIAL & INSURANCE SER is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CARDIOVASCULAR ASSOCIATES INC CARDIOVASCULAR ASSOCIATES INC BENEFIT PLAN	CA	$1.2M	$70K	ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY
THE NEPHROLOGY GROUP, INC. THE NEPHROLOGY GROUP, INC. BENEFIT PLAN	CA	$1.1M	$62K	BLUE SHIELD OF CALIFORNIA

Carrier

Plans

Premium

BLUE CROSS OF CALIFORNIA

$1.1M

50.0%

ANTHEM LIFE INSURANCE COMPANY

$1.2M

50.0%

State

Plans

Premium

State share

Index

$2.3M

0.0%

12.75x

Sponsor

Loc

Premium

Comp

Carrier

CARDIOVASCULAR ASSOCIATES INC

CARDIOVASCULAR ASSOCIATES INC BENEFIT PLAN

$1.2M

$70K

ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY

THE NEPHROLOGY GROUP, INC.

THE NEPHROLOGY GROUP, INC. BENEFIT PLAN

$1.1M

$62K

BLUE SHIELD OF CALIFORNIA