Welfare broker

HOVER INSURANCE SERVICES

Mailing address (most recent filing)

2455 BENNETT VALLEY RD., STE B210

SANTA ROSA, CA 95404

Total comp: $107K
Commissions: $54K
Fees: $53K
Filings: 3
Sponsors: 3

Carrier mix

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

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$311K	50.0%
BLUE CROSS OF CALIFORNIA	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	$1.5M	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 HOVER INSURANCE SERVICES's plans by broker comp / premium ratio. Median 7.02% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where HOVER INSURANCE SERVICES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
HECNY TRANSPORTATION INC. HECNY TRANSPORTATION GROUP INSURANCE PLAN	CA	$1.2M	$68K	CALIFORNIA PHYSICIANS SERVICE (BLUE SHIELD OF CALIFORNIA)
PLUMAS BANCORP PLUMAS BANK EMPLOYEE BENEFIT PLAN	CA	$311K	$26K	GUARDIAN

Carrier

Plans

Premium

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

$311K

50.0%

BLUE CROSS OF CALIFORNIA

$1.2M

50.0%

State

Plans

Premium

State share

Index

$1.5M

0.0%

12.75x

Sponsor

Loc

Premium

Comp

Carrier

HECNY TRANSPORTATION INC.

HECNY TRANSPORTATION GROUP INSURANCE PLAN

$1.2M

$68K

CALIFORNIA PHYSICIANS SERVICE (BLUE SHIELD OF CALIFORNIA)

PLUMAS BANCORP

PLUMAS BANK EMPLOYEE BENEFIT PLAN

$311K

$26K

GUARDIAN