Welfare broker

PACIFIC COAST BENEFITS INSURANCE

Mailing address (most recent filing)

SERVICES, LLC

7600 MONTEREY ST. #140

GILROY, CA 95020

Total comp: $227K
Commissions: $227K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

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

AETNA LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
AETNA LIFE INSURANCE COMPANY	2	$5.1M	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
CA	2	$5.1M	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 PACIFIC COAST BENEFITS INSURANCE's plans by broker comp / premium ratio. Median 5.74% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where PACIFIC COAST BENEFITS INSURANCE is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
LUSAMERICA FOODS LUSAMERICA FOODS HEALTH AND WELFARE PLAN	CA	$3.3M	$146K	AETNA LIFE INSURANCE CO.
CONDON-JOHNSON & ASSOCIATES, INC. CONDON-JOHNSON & ASSOCIATES, INC. EMPLOYEE BENEFITS PLAN	CA	$1.8M	$124K	AETNA LIFE INSURANCE CO.

Carrier

Plans

Premium

AETNA LIFE INSURANCE COMPANY

$5.1M

100.0%

State

Plans

Premium

State share

Index

$5.1M

0.0%

12.75x

Sponsor

Loc

Premium

Comp

Carrier

LUSAMERICA FOODS

LUSAMERICA FOODS HEALTH AND WELFARE PLAN

$3.3M

$146K

AETNA LIFE INSURANCE CO.

CONDON-JOHNSON & ASSOCIATES, INC.

CONDON-JOHNSON & ASSOCIATES, INC. EMPLOYEE BENEFITS PLAN

$1.8M

$124K

AETNA LIFE INSURANCE CO.