Welfare broker

MORGAN & FRANZ INSURANCE AND FINANC

Mailing address (most recent filing)

10606 TRADEMARK PKWY N #201A

RANCHO CUCAMONGA, CA 91730

Total comp: $76K
Commissions: $76K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

Where MORGAN & FRANZ INSURANCE AND FINANC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITEDHEALTHCARE INSURANCE COMPANY50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$951K	50.0%
BLUE CROSS OF CALIFORNIA	1	$227K	50.0%

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	2	$1.2M	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 MORGAN & FRANZ INSURANCE AND FINANC's plans by broker comp / premium ratio. Median 6.88% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of MORGAN & FRANZ INSURANCE AND FINANC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where MORGAN & FRANZ INSURANCE AND FINANC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
SNS TRANSPORTATION SERVICES INC. SNS TRANSPORTATION SERVICES, INC. DBA AMERICAN TRANSPORTATION SERVICES HEALTH & WELFARE BENEFIT PLAN	CA	$951K	$70K	UNITEDHEALTHCARE INSURANCE COMPANY
WESTERN LABOR ALLIANCE HEALTH & WELFARE TRUST FUND WESTERN LABOR ALLIANCE HEALTH & WELFARE TRUST FUND	CA	$227K	$15K	BLUE CROSS OF CALIFORNIA

Carrier

Plans

Premium

UNITEDHEALTHCARE INSURANCE COMPANY

$951K

50.0%

BLUE CROSS OF CALIFORNIA

$227K

50.0%

State

Plans

Premium

State share

Index

$1.2M

0.0%

12.75x

Sponsor

Loc

Premium

Comp

Carrier

SNS TRANSPORTATION SERVICES INC.

SNS TRANSPORTATION SERVICES, INC. DBA AMERICAN TRANSPORTATION SERVICES HEALTH & WELFARE BENEFIT PLAN

$951K

$70K

UNITEDHEALTHCARE INSURANCE COMPANY

WESTERN LABOR ALLIANCE HEALTH & WELFARE TRUST FUND

$227K

$15K

BLUE CROSS OF CALIFORNIA