Welfare broker

LAURA AFOA INSURANCE SERVICES, LLC

Mailing address (most recent filing)

1777 BOREL PLACE, SUITE 511

SAN MATEO, CA 94402

Total comp: $603K
Commissions: $603K
Fees: $0
Filings: 5
Sponsors: 5

Carrier mix

Where LAURA AFOA INSURANCE SERVICES, LLC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITEDHEALTHCARE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$9.2M	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	$9.2M	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 LAURA AFOA INSURANCE SERVICES, LLC's plans by broker comp / premium ratio. Median 5.17% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of LAURA AFOA INSURANCE SERVICES, LLC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where LAURA AFOA INSURANCE SERVICES, LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
TOYOTA RESEARCH INSTITUTE, INC. TOYOTA RESEARCH INSTITUTE HEALTH AND WELFARE PLAN	CA	$9.2M	$476K	UNITEDHEALTHCARE INSURANCE COMPANY

Carrier

Plans

Premium

UNITEDHEALTHCARE INSURANCE COMPANY

$9.2M

100.0%

State

Plans

Premium

State share

Index

$9.2M

0.0%

12.75x

Sponsor

Loc

Premium

Comp

Carrier

TOYOTA RESEARCH INSTITUTE, INC.

TOYOTA RESEARCH INSTITUTE HEALTH AND WELFARE PLAN

$9.2M

$476K

UNITEDHEALTHCARE INSURANCE COMPANY