Welfare broker

MARIGENE ANNE PANCIERA

Carrier mix

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

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	1	$7.4M	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
RI	1	$7.4M	0.3%	399.81x

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 MARIGENE ANNE PANCIERA's plans by broker comp / premium ratio. Median 2.50% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where MARIGENE ANNE PANCIERA is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
TACO, INC. TACO, INC. EMPLOYEE BENEFITS PLAN	RI	$7.4M	$184K	BLUE CROSS BLUE SHIELD OF RHODE ISLAND