Welfare broker

KENNY CHANG

Mailing address (most recent filing)

2048 S HACIENDA BLVD

HACIENDA HEIGHTS, CA 91745

Total comp: $99K
Commissions: $79K
Fees: $20K
Filings: 4
Sponsors: 4

Carrier mix

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

UNITEDHEALTHCARE INSURANCE COMPANY50.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$2.1M	50.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$1.1M	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
TX	1	$1.1M	0.0%	8.36x
CA	1	$2.1M	0.0%	6.38x

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 KENNY CHANG's plans by broker comp / premium ratio. Median 5.61% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where KENNY CHANG is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CLEVER CARE HEALTH PLAN INC. CLEVER CARE HEALTH PLAN INC. HEALTH AND WELFARE PLAN	CA	$2.1M	$127K	UNITEDHEALTHCARE INSURANCE COMPANY
NGC TRANSMISSION EQUIPMENT (AMERICA), INC. NGC TRANSMISSION EQUIPMENT (AMERICA), INC. HEALTH AND WELFARE PLAN	TX	$1.1M	$56K	CIGNA HEALTH AND LIFE INSURANCE COMPANY

Carrier

Plans

Premium

UNITEDHEALTHCARE INSURANCE COMPANY

$2.1M

50.0%

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$1.1M

50.0%

State

Plans

Premium

State share

Index

$1.1M

0.0%

8.36x

$2.1M

0.0%

6.38x

Sponsor

Loc

Premium

Comp

Carrier

CLEVER CARE HEALTH PLAN INC.

CLEVER CARE HEALTH PLAN INC. HEALTH AND WELFARE PLAN

$2.1M

$127K

UNITEDHEALTHCARE INSURANCE COMPANY

NGC TRANSMISSION EQUIPMENT (AMERICA), INC.

NGC TRANSMISSION EQUIPMENT (AMERICA), INC. HEALTH AND WELFARE PLAN

$1.1M

$56K

CIGNA HEALTH AND LIFE INSURANCE COMPANY