Welfare broker

LUKE SALERNO

Mailing address (most recent filing)

3985 CARMEL BROOKS WAY

SAN DIEGO, CA 92130

Total comp: $86K
Commissions: $86K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

Where LUKE SALERNO 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	$1.6M	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	$1.6M	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 LUKE SALERNO's plans by broker comp / premium ratio. Median 5.31% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where LUKE SALERNO is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
PALOMAR TECHNOLOGIES, INC. PALOMAR TECHNOLOGIES, INC. HEALTH & WELFARE PLAN	CA	$1.6M	$86K	CIGNA HEALTH AND LIFE INSURANCE COMPANY