Welfare broker

PROSPERO BENF. GROUP AND INS. SVCS.

Mailing address (most recent filing)

925 HIGHLAND POINTE DRIVE

SUITE 190

ROSEVILLE, CA 95678

Total comp: $621K
Commissions: $574K
Fees: $46K
Filings: 8
Sponsors: 8

Carrier mix

Where PROSPERO BENF. GROUP AND INS. SVCS. places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

KAISER FOUNDATION HEALTH PLAN INC75.0%
WESTERN HEALTH ADVANTAGE25.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
KAISER FOUNDATION HEALTH PLAN INC	3	$6.9M	75.0%
WESTERN HEALTH ADVANTAGE	1	$1.1M	25.0%

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	4	$8.0M	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 PROSPERO BENF. GROUP AND INS. SVCS.'s plans by broker comp / premium ratio. Median 5.88% vs welfare-wide median 6.29% (n=4).

Prospect-flag exposure · vs market baseline

Share of PROSPERO BENF. GROUP AND INS. SVCS.'s book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-4 of 4 sponsors where PROSPERO BENF. GROUP AND INS. SVCS. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
QUICK QUACK CAR WASH QUICK QUACK CAR WASH SECTION HEALTH AND WELFARE PLAN	CA	$3.9M	$264K	KAISER FOUNDATION HEALTH PLAN, INC.
FOLSOM LAKE FORD FOLSOM LAKE FORD GROUP WELFARE PLAN	CA	$1.8M	$83K	KAISER FOUNDATION HEALTH PLAN, INC.
V3 ELECTRIC INC. V3 ELECTRIC HEALTH AND WELFARE PLAN	CA	$1.1M	$70K	KAISER FOUNDATION HEALTH PLAN, INC.
JOHN BOYD ENTERPRISES, INC. JOHN BOYD ENTERPRISES, INC. WELFARE BENEFIT PLAN	CA	$1.1M	$61K	WESTERN HEALTH ADVANTAGE

Carrier

Plans

Premium

KAISER FOUNDATION HEALTH PLAN INC

$6.9M

75.0%

WESTERN HEALTH ADVANTAGE

$1.1M

25.0%

State

Plans

Premium

State share

Index

$8.0M

0.0%

12.75x

Sponsor

Loc

Premium

Comp

Carrier

QUICK QUACK CAR WASH

QUICK QUACK CAR WASH SECTION HEALTH AND WELFARE PLAN

$3.9M

$264K

KAISER FOUNDATION HEALTH PLAN, INC.

FOLSOM LAKE FORD

FOLSOM LAKE FORD GROUP WELFARE PLAN

$1.8M

$83K

KAISER FOUNDATION HEALTH PLAN, INC.

V3 ELECTRIC INC.

V3 ELECTRIC HEALTH AND WELFARE PLAN

$1.1M

$70K

KAISER FOUNDATION HEALTH PLAN, INC.

JOHN BOYD ENTERPRISES, INC.

JOHN BOYD ENTERPRISES, INC. WELFARE BENEFIT PLAN

$1.1M

$61K

WESTERN HEALTH ADVANTAGE