Welfare broker

MICHELE VALENZUELA

Mailing address (most recent filing)

38C GROVE STREET

RIDGEFIELD, CT 06877

Total comp: $6K
Commissions: $6K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

Where MICHELE VALENZUELA 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	$1.1M	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
NY	1	$1.1M	0.0%	19.82x

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 MICHELE VALENZUELA's plans by broker comp / premium ratio. Median 1.63% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where MICHELE VALENZUELA is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
LIM COLLEGE LIM COLLEGE EMPLOYEE BENEFITS PLAN	NY	$1.1M	$17K	CIGNA HEALTH AND LIFE INSURANCE COMPANY