Welfare broker

JAMES DAVID REED INSURANCE AGENCY

Mailing address (most recent filing)

245 FISHER AVENUE

COSTA MESA, CA 92626

Total comp: $181K
Commissions: $181K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

Where JAMES DAVID REED INSURANCE AGENCY places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

KAISER FOUNDATION HEALTH PLAN INC100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
KAISER FOUNDATION HEALTH PLAN INC	1	$2.1M	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	$2.1M	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 JAMES DAVID REED INSURANCE AGENCY's plans by broker comp / premium ratio. Median 5.00% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of JAMES DAVID REED INSURANCE AGENCY's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where JAMES DAVID REED INSURANCE AGENCY is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
WOOD RANCH USA, INC. WOOD RANCH USA, INC. WELFARE BENEFITS PLAN	CA	$2.1M	$103K	KAISER FOUNDATION HEALTH PLAN INC.