Welfare broker

JAMES E. MCCLEMENTS, JR.

Mailing address (most recent filing)

580 BROADWAY STREET, SUITE 213

LAGUNA BEACH, CA 92651

Carrier mix

Where JAMES E. MCCLEMENTS, JR. places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITED CONCORDIA INSURANCE COMPANY	1	$122K	25.0%
HCC LIFE INSURANCE COMPANY	1	$509K	25.0%
KAISER FOUNDATION HEALTH PLAN INC	1	$1.6M	25.0%
EYEMED VISION CARE	1	$22K	25.0%

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	4	$2.2M	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 E. MCCLEMENTS, JR.'s plans by broker comp / premium ratio. Median 9.88% vs welfare-wide median 6.29% (n=4).

Prospect-flag exposure · vs market baseline

Share of JAMES E. MCCLEMENTS, JR.'s book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-4 of 4 sponsors where JAMES E. MCCLEMENTS, JR. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
SATICOY LEMON ASSOCIATION SATICOY LEMON ASSOCIATION EMPLOYEE BENEFITS PLAN	CA	$1.6M	$89K	KAISER FOUNDATION HEALTH PLAN, INC.
LIMONEIRA COMPANY LIMONEIRA WELFARE BENEFITS PLAN	CA	$509K	$53K	HCC LIFE INSURANCE COMPANY
MARZ FARMS INC. MARZ FARMS INC DENTAL PLAN	CA	$122K	$12K	UNITED CONCORDIA INSURANCE COMPANY
MARZ FARMS INC. MARZ FARMS INC. VISION PLAN	CA	$22K	$2K	EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO.