Welfare broker

PACIFIC STANDARD INSURANCE SERVICES

Mailing address (most recent filing)

431 W GRAND AVE

ESCONDIDO, CA 92025

Total comp: $180K
Commissions: $180K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

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

KAISER FOUNDATION HEALTH PLAN INC50.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
KAISER FOUNDATION HEALTH PLAN INC	1	$388K	50.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$2.4M	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	$2.8M	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 STANDARD INSURANCE SERVICES's plans by broker comp / premium ratio. Median 5.80% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
ALL ONE GOD FAITH, INC. DR. BRONNER'S MAGIC SOAPS HEALTH & WELFARE BENEFITS PLAN	CA	$2.4M	$160K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
MISSION POOLS OF ESCONDIDO KAISER FOUNDATION HEALTH PLAN INC.	CA	$388K	$20K	KAISER FOUNDATION HEALTH PLAN INC

Carrier

Plans

Premium

KAISER FOUNDATION HEALTH PLAN INC

$388K

50.0%

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$2.4M

50.0%

State

Plans

Premium

State share

Index

$2.8M

0.0%

12.75x

Sponsor

Loc

Premium

Comp

Carrier

ALL ONE GOD FAITH, INC.

DR. BRONNER'S MAGIC SOAPS HEALTH & WELFARE BENEFITS PLAN

$2.4M

$160K

CIGNA HEALTH AND LIFE INSURANCE COMPANY

MISSION POOLS OF ESCONDIDO

KAISER FOUNDATION HEALTH PLAN INC.

$388K

$20K

KAISER FOUNDATION HEALTH PLAN INC