Welfare broker

MARIA M VELAZQUEZ MANGUAL

Mailing address (most recent filing)

URB SAN RAMON

1967 CALLE SALVIA

GUAYNABO, PR 00969

Total comp: $113K
Commissions: $87K
Fees: $26K
Filings: 6
Sponsors: 6

Carrier mix

Where MARIA M VELAZQUEZ MANGUAL places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

HARTFORD LIFE AND ACCIDENT33.3%
MCS LIFE INSURANCE COMPANY33.3%
DELTA DENTAL OF CALIFORNIA33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HARTFORD LIFE AND ACCIDENT	1	$131K	33.3%
MCS LIFE INSURANCE COMPANY	1	$1.4M	33.3%
DELTA DENTAL OF CALIFORNIA	1	$82K	33.3%

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
PR	3	$1.6M	0.6%	223.06x

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 MARIA M VELAZQUEZ MANGUAL's plans by broker comp / premium ratio. Median 8.00% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

Share of MARIA M VELAZQUEZ MANGUAL's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-3 of 3 sponsors where MARIA M VELAZQUEZ MANGUAL is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ROYALE BLUE HOSPITALITY ROYALE BLUE HOSPITALITY	PR	$1.4M	$67K	MCS LIFE INSURANCE COMPANY
RIO MAR HOSPITALITY MANAGEMENT LLC- LIFE & AD&D & LTD RIO MAR HOSPITALITY MANAGEMENT LLC	PR	$131K	$30K	HARTFORD LIFE AND ACCIDENT
ROYALE BLUE HOSPITALITY LLC DELTA ROYALE BLUE HOSPITALITY	PR	$82K	$7K	DELTA DENTAL OF PUERTO RICO INC

Carrier

Plans

Premium

HARTFORD LIFE AND ACCIDENT

$131K

33.3%

MCS LIFE INSURANCE COMPANY

$1.4M

33.3%

DELTA DENTAL OF CALIFORNIA

$82K

33.3%

State

Plans

Premium

State share

Index

$1.6M

0.6%

223.06x

Sponsor

Loc

Premium

Comp

Carrier

ROYALE BLUE HOSPITALITY

$1.4M

$67K

MCS LIFE INSURANCE COMPANY

RIO MAR HOSPITALITY MANAGEMENT LLC- LIFE & AD&D & LTD

RIO MAR HOSPITALITY MANAGEMENT LLC

$131K

$30K

HARTFORD LIFE AND ACCIDENT

ROYALE BLUE HOSPITALITY LLC DELTA

ROYALE BLUE HOSPITALITY

$82K

$7K

DELTA DENTAL OF PUERTO RICO INC