Welfare broker

PROBITY INSURANCE SERVICES

Mailing address (most recent filing)

1100 E HAMILTON AVE STE 1

CAMPBELL, CA 95008

Total comp: $512K
Commissions: $432K
Fees: $80K
Filings: 5
Sponsors: 5

Carrier mix

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

CIGNA HEALTH AND LIFE INSURANCE COMPANY50.0%
CALIFORNIA PHYSICIANS SERVICE50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$2.2M	50.0%
CALIFORNIA PHYSICIANS SERVICE	1	$700K	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	$2.9M	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 PROBITY INSURANCE SERVICES's plans by broker comp / premium ratio. Median 13.47% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
RIVOS, INC RIVOS, INC WELFARE BENEFIT PLAN	CA	$2.2M	$424K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
WESTWIND ENTERPRISES WESTWIND ENTERPRISES WELFARE BENEFIT PLAN	CA	$700K	$51K	CALIFORNIA PHYSICIANS' SERVICE

Carrier

Plans

Premium

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$2.2M

50.0%

CALIFORNIA PHYSICIANS SERVICE

$700K

50.0%

State

Plans

Premium

State share

Index

$2.9M

0.0%

12.75x

Sponsor

Loc

Premium

Comp

Carrier

RIVOS, INC

RIVOS, INC WELFARE BENEFIT PLAN

$2.2M

$424K

CIGNA HEALTH AND LIFE INSURANCE COMPANY

WESTWIND ENTERPRISES

WESTWIND ENTERPRISES WELFARE BENEFIT PLAN

$700K

$51K

CALIFORNIA PHYSICIANS' SERVICE