Welfare broker

MELITA-MCDONALD INSURANCE SERVICES

Mailing address (most recent filing)

PO BOX 610520

SAN JOSE, CA 95161

Total comp: $2.8M
Commissions: $2.6M
Fees: $253K
Filings: 29
Sponsors: 29

Carrier mix

Where MELITA-MCDONALD INSURANCE SERVICES places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITEDHEALTHCARE INSURANCE COMPANY33.3%
BLUE CROSS OF CALIFORNIA33.3%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA16.7%
CALIFORNIA CHOICE16.7%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	2	$11.2M	33.3%
BLUE CROSS OF CALIFORNIA	2	$6.2M	33.3%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$236K	16.7%
CALIFORNIA CHOICE	1	$388K	16.7%

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	5	$17.8M	0.1%	10.63x
NY	1	$236K	0.0%	3.30x

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 MELITA-MCDONALD INSURANCE SERVICES's plans by broker comp / premium ratio. Median 6.80% vs welfare-wide median 6.29% (n=6).

Prospect-flag exposure · vs market baseline

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

1-6 of 6 sponsors where MELITA-MCDONALD INSURANCE SERVICES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
EOS IT MANAGEMENT SOLUTIONS EOS IT MANAGEMENT SOLUTIONS WELFARE BENEFITS PLAN	CA	$8.8M	$468K	UNITEDHEALTHCARE INSURANCE COMPANY
FORWARD NETWORKS, INC. FORWARD NETWORKS, INC. BENEFIT PLAN	CA	$3.7M	$296K	CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA)
AVANTUS LLC AVANTUS LLC WELFARE BENEFITS PLAN	CA	$2.4M	$148K	UNITEDHEALTHCARE INSURANCE COMPANY
LUCILE PACKARD FOUNDATION FOR CHILDREN'S HEALTH LUCILE PACKARD FOUNDATION FOR CHILDREN'S HEALTH BENEFIT PLAN	CA	$2.6M	$107K	CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA)
PA STAFFING LLC PA STAFFING LLC BENEFIT PLAN	CA	$388K	$29K	CALIFORNIACHOICE
MESSARI, INC. MESSARI, INC. BENEFIT PLAN	NY	$236K	$25K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA