Welfare broker

PBG PROFESSIONAL INSURANCE SERVICES

Mailing address (most recent filing)

9035 SOQUEL AVE

STE 200

SANTA CRUZ, CA 950622033

Total comp: $112K
Commissions: $112K
Fees: $0
Filings: 4
Sponsors: 4

Carrier mix

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

SUTTER HEALTH PLAN100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
SUTTER HEALTH PLAN	1	$3.3M	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	$3.3M	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 PBG PROFESSIONAL INSURANCE SERVICES's plans by broker comp / premium ratio. Median 4.46% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where PBG PROFESSIONAL INSURANCE SERVICES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
BAY FEDERAL CREDIT UNION BAY FEDERAL CREDIT UNION WELFARE BENEFIT PLAN	CA	$3.3M	$148K	SUTTER HEALTH PLAN