Welfare broker

KENNY CHANG

Mailing address (most recent filing)

2048 S HACIENDA BLVD

HACIENDA HTS, CA 917454240

Total comp: $44K
Commissions: $24K
Fees: $20K
Filings: 3
Sponsors: 3

Carrier mix

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

CIGNA HEALTH AND LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$1.1M	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
TX	1	$1.1M	0.0%	16.42x

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 5.09% vs welfare-wide median 6.40% (n=1).

Prospect-flag exposure · vs market baseline

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

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

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