Welfare broker

NOAH OROPEZA

Mailing address (most recent filing)

5305 NORTH GINNING DRIVE

LITCHFIELD PARK, AZ 85340

Total comp: $382K
Commissions: $227K
Fees: $155K
Filings: 45
Sponsors: 45

Carrier mix

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

UNUM LIFE INSURANCE COMPANY OF AMERICA50.0%
STARMOUNT LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$1.2M	50.0%
STARMOUNT LIFE INSURANCE COMPANY	1	$272K	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
AZ	2	$1.5M	0.1%	85.91x

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 NOAH OROPEZA's plans by broker comp / premium ratio. Median 19.74% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where NOAH OROPEZA is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
SUMMIT HEALTHCARE ASSOCIATION SUMMIT HEALTHCARE ASSOCIATION WELFARE BENEFIT PLAN	AZ	$1.2M	$151K	UNUM LIFE INSURANCE COMPANY OF AMERICA
STEWART TRANSPORT INC. STEWART TRANSPORT WELFARE BENEFITS PLAN	AZ	$272K	$74K	STARMOUNT LIFE INSURANCE COMPANY

Carrier

Plans

Premium

UNUM LIFE INSURANCE COMPANY OF AMERICA

$1.2M

50.0%

STARMOUNT LIFE INSURANCE COMPANY

$272K

50.0%

State

Plans

Premium

State share

Index

$1.5M

0.1%

85.91x

Sponsor

Loc

Premium

Comp

Carrier

SUMMIT HEALTHCARE ASSOCIATION

SUMMIT HEALTHCARE ASSOCIATION WELFARE BENEFIT PLAN

$1.2M

$151K

UNUM LIFE INSURANCE COMPANY OF AMERICA

STEWART TRANSPORT INC.

STEWART TRANSPORT WELFARE BENEFITS PLAN

$272K

$74K

STARMOUNT LIFE INSURANCE COMPANY