Welfare broker

PBT INSURANCE SERVICES LLC

Mailing address (most recent filing)

5703 N WEST AVE

STE 102

FRESNO, CA 93711

Total comp: $270K
Commissions: $270K
Fees: $0
Filings: 5
Sponsors: 5

Carrier mix

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

UNITED HEALTHCARE INSURANCE COMPANY50.0%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITED HEALTHCARE INSURANCE COMPANY	1	$1.4M	50.0%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$1.4M	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 PBT INSURANCE SERVICES LLC's plans by broker comp / premium ratio. Median 11.74% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
PRODUCERS DAIRY FOODS INC. PRODUCERS DAIRY FOODS INC. EMPLOYEE HEALTH BENEFIT PLAN	CA	$1.4M	$188K	NATIONAL GUARDIAN LIFE INSURANCE COMPANY
UNITED HEALTH CENTERS OF THE SAN JOAQUIN VALLEY UNITED HEALTH CENTERS OF THE SAN JOAQUIN VALLEY BENEFIT PLAN	CA	$1.4M	$139K	UNITED HEALTHCARE INSURANCE COMPANY

Carrier

Plans

Premium

UNITED HEALTHCARE INSURANCE COMPANY

$1.4M

50.0%

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

$1.4M

50.0%

State

Plans

Premium

State share

Index

$2.8M

0.0%

12.75x

Sponsor

Loc

Premium

Comp

Carrier

PRODUCERS DAIRY FOODS INC.

PRODUCERS DAIRY FOODS INC. EMPLOYEE HEALTH BENEFIT PLAN

$1.4M

$188K

NATIONAL GUARDIAN LIFE INSURANCE COMPANY

UNITED HEALTH CENTERS OF THE SAN JOAQUIN VALLEY

UNITED HEALTH CENTERS OF THE SAN JOAQUIN VALLEY BENEFIT PLAN

$1.4M

$139K

UNITED HEALTHCARE INSURANCE COMPANY