Welfare broker

PANORAMA RISK & INSURANCE

Mailing address (most recent filing)

8753 E BELL ROAD

STE 110

SCOTTSDALE, AZ 85260

Total comp: $169K
Commissions: $169K
Fees: $5
Filings: 8
Sponsors: 8

Carrier mix

Where PANORAMA RISK & INSURANCE places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

BLUE CROSS OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	2	$4.4M	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
MT	1	$2.9M	0.4%	217.19x
AZ	1	$1.5M	0.1%	42.95x

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 PANORAMA RISK & INSURANCE's plans by broker comp / premium ratio. Median 4.80% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of PANORAMA RISK & INSURANCE's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where PANORAMA RISK & INSURANCE is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
SCHOELLER ALLIBERT SCHOELLER ALLIBERT LIFE AND DISABILITY BENEFITS PLAN	AZ	$1.5M	$114K	BLUE CROSS BLUE SHIELD OF ARIZONA
MANN MORTGAGE, LLC MANN MORTGAGE, LLC WELFARE BENEFIT PLAN	MT	$2.9M	$59K	BLUECROSS BLUESHIELD OF MONTANA

Carrier

Plans

Premium

BLUE CROSS OF CALIFORNIA

$4.4M

100.0%

State

Plans

Premium

State share

Index

$2.9M

0.4%

217.19x

$1.5M

0.1%

42.95x

Sponsor

Loc

Premium

Comp

Carrier

SCHOELLER ALLIBERT

SCHOELLER ALLIBERT LIFE AND DISABILITY BENEFITS PLAN

$1.5M

$114K

BLUE CROSS BLUE SHIELD OF ARIZONA

MANN MORTGAGE, LLC

MANN MORTGAGE, LLC WELFARE BENEFIT PLAN

$2.9M

$59K

BLUECROSS BLUESHIELD OF MONTANA