Welfare broker

PACIFIC COAST BENEFITS, LLC

Mailing address (most recent filing)

INSURANCE SERVICES LLC

7600 MONTEREY STREET SUITE 140

GILROY, CA 95020

Total comp: $123K
Commissions: $123K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

Where PACIFIC COAST BENEFITS, LLC 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	$1.3M	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	1	$1.3M	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, LLC's plans by broker comp / premium ratio. Median 12.23% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where PACIFIC COAST BENEFITS, LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CENTRAL COAST VNA & HOSPICE, INC. CENTRAL COAST VNA & HOSPICE, INC. HEALTH AND WELFARE PLAN	CA	$1.3M	$159K	CIGNA HEALTH AND LIFE INSURANCE COMPANY

Carrier

Plans

Premium

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$1.3M

100.0%

State

Plans

Premium

State share

Index

$1.3M

0.0%

12.75x

Sponsor

Loc

Premium

Comp

Carrier

CENTRAL COAST VNA & HOSPICE, INC.

CENTRAL COAST VNA & HOSPICE, INC. HEALTH AND WELFARE PLAN

$1.3M

$159K

CIGNA HEALTH AND LIFE INSURANCE COMPANY