Welfare broker

JOHN E. HORSTMANN FINANCIAL & INS

Mailing address (most recent filing)

205 E. RIVER PARK CIRCLE, #220

FRESNO, CA 937201572

Total comp: $384K
Commissions: $384K
Fees: $0
Filings: 10
Sponsors: 10

Carrier mix

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

ANTHEM LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
ANTHEM LIFE INSURANCE COMPANY	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 JOHN E. HORSTMANN FINANCIAL & INS's plans by broker comp / premium ratio. Median 5.30% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where JOHN E. HORSTMANN FINANCIAL & INS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
SIERRA PACIFIC ORTHOPAEDIC & SPINE CENTER SIERRA PACIFIC ORTHOPAEDIC & SPINE CENTER HEALTH & WELFARE PLAN	CA	$2.1M	$109K	ANTHEM BLUE CROSS