Welfare broker

OPTIMAL BENEFITS INSURANCE SERVICES

Mailing address (most recent filing)

4435 E. CHANDLER BLVD

SUITE # 200

PHOENIX, AZ 85048

Total comp: $118K
Commissions: $118K
Fees: $0
Filings: 4
Sponsors: 4

Carrier mix

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

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$114K	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
AZ	1	$114K	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 OPTIMAL BENEFITS INSURANCE SERVICES's plans by broker comp / premium ratio. Median 16.75% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where OPTIMAL BENEFITS INSURANCE SERVICES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
NOBILITY, LLC HEALTH AND WELFARE BENEFITS PLAN NOBILITY, LLC	AZ	$114K	$19K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

Carrier

Plans

Premium

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

$114K

100.0%

State

Plans

Premium

State share

Index

$114K

0.1%

85.91x

Sponsor

Loc

Premium

Comp

Carrier

NOBILITY, LLC HEALTH AND WELFARE BENEFITS PLAN

NOBILITY, LLC

$114K

$19K

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA