Welfare broker

LAKE FOREST INSURANCE INC.

Mailing address (most recent filing)

23052 ALICIA PKWY #H423

MISSION VIEJO, CA 92692

Total comp: $96K
Commissions: $96K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

Where LAKE FOREST INSURANCE INC. places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITED OF OMAHA LIFE INSURANCE COMPANY50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITED OF OMAHA LIFE INSURANCE COMPANY	1	$16K	50.0%
BLUE CROSS OF CALIFORNIA	1	$2.0M	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
CA	2	$2.0M	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 LAKE FOREST INSURANCE INC.'s plans by broker comp / premium ratio. Median 7.34% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of LAKE FOREST INSURANCE INC.'s book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where LAKE FOREST INSURANCE INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
WNC & ASSOCIATES, INC. WNC & ASSOCIATES, INC. HEALTH AND WELFARE PLAN	CA	$2.0M	$95K	BLUE CROSS OF CALIFORNIA
MERCADO LATINO, INC. MERCADO LATINO, INC. LIFE INSURANCE PLAN	CA	$16K	$2K	UNITED OF OMAHA LIFE INSURANCE COMPANY

Carrier

Plans

Premium

UNITED OF OMAHA LIFE INSURANCE COMPANY

$16K

50.0%

BLUE CROSS OF CALIFORNIA

$2.0M

50.0%

State

Plans

Premium

State share

Index

$2.0M

0.0%

12.75x

Sponsor

Loc

Premium

Comp

Carrier

WNC & ASSOCIATES, INC.

WNC & ASSOCIATES, INC. HEALTH AND WELFARE PLAN

$2.0M

$95K

BLUE CROSS OF CALIFORNIA

MERCADO LATINO, INC.

MERCADO LATINO, INC. LIFE INSURANCE PLAN

$16K

$2K

UNITED OF OMAHA LIFE INSURANCE COMPANY