Welfare broker

PARMINDER KAUR DHARNI

Mailing address (most recent filing)

PO BOX 681

YUBA CITY, CA 95992

Total comp: $50K
Commissions: $39K
Fees: $11K
Filings: 1
Sponsors: 1

Carrier mix

Where PARMINDER KAUR DHARNI places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITEDHEALTHCARE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$538K	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	$538K	0.1%	85.97x

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 PARMINDER KAUR DHARNI's plans by broker comp / premium ratio. Median 11.88% vs welfare-wide median 6.31% (n=1).

Prospect-flag exposure · vs market baseline

Share of PARMINDER KAUR DHARNI's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where PARMINDER KAUR DHARNI is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
NEW LEGEND, INC. NEW LEGEND, INC. HEALTH & WELFARE BENEFITS PLAN	AZ	$538K	$64K	UNITEDHEALTHCARE INSURANCE COMPANY