Welfare broker

RAY GUZMAN

Mailing address (most recent filing)

107 SMART PLACE

SLIDELL, LA 70458

Total comp: $10K
Commissions: $10K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

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

HARTFORD LIFE AND ACCIDENT100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HARTFORD LIFE AND ACCIDENT	1	$62K	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
AL	1	$62K	0.1%	107.78x

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 RAY GUZMAN's plans by broker comp / premium ratio. Median 16.01% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where RAY GUZMAN is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
TRINOVA, INC. TRINOVA, INC. LIFE AND DISABILITY PLANS	AL	$62K	$10K	HARTFORD LIFE AND ACCIDENT