Welfare broker

PCS INSURANCE SERVICES INC

Mailing address (most recent filing)

1303 SUNSET AVE.

CHICO, CA 95926

Total comp: $133K
Commissions: $130K
Fees: $3K
Filings: 3
Sponsors: 3

Carrier mix

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

HUMANA INSURANCE COMPANY50.0%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HUMANA INSURANCE COMPANY	1	$381K	50.0%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$745K	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
TX	1	$745K	0.0%	8.36x
CA	1	$381K	0.0%	6.38x

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 PCS INSURANCE SERVICES INC's plans by broker comp / premium ratio. Median 10.87% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
GLOBAL IID PARENT, LLC GLOBAL IID GUARDIAN PLAN	TX	$745K	$91K	GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
UNICO MECHANICAL CORP. UNICO MECHANICAL CORP. MEDICAL PLAN	CA	$381K	$36K	HUMANA INSURANCE COMPANY

Carrier

Plans

Premium

HUMANA INSURANCE COMPANY

$381K

50.0%

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

$745K

50.0%

State

Plans

Premium

State share

Index

$745K

0.0%

8.36x

$381K

0.0%

6.38x

Sponsor

Loc

Premium

Comp

Carrier

GLOBAL IID PARENT, LLC

GLOBAL IID GUARDIAN PLAN

$745K

$91K

GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

UNICO MECHANICAL CORP.

UNICO MECHANICAL CORP. MEDICAL PLAN

$381K

$36K

HUMANA INSURANCE COMPANY