Welfare broker

ROGER MCCUMBER

Mailing address (most recent filing)

PO BOX 13384

BAKERSFIELD, CA 93389

Total comp: $211K
Commissions: $138K
Fees: $73K
Filings: 8
Sponsors: 8

Carrier mix

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

UNITED OF OMAHA LIFE INSURANCE COMPANY50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITED OF OMAHA LIFE INSURANCE COMPANY	1	$173K	50.0%
BLUE CROSS OF CALIFORNIA	1	$1.8M	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	$2.0M	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 ROGER MCCUMBER's plans by broker comp / premium ratio. Median 10.15% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where ROGER MCCUMBER is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
A-C ELECTRIC COMPANY A-C ELECTRIC HEALTH & WELFARE PLAN	CA	$1.8M	$96K	BLUE SHIELD OF CALIFORNIA
CENTRE FOR NEURO SKILLS CENTRE FOR NEURO SKILLS ERISA HEALTHCARE PLAN	CA	$173K	$26K	UNITED OF OMAHA LIFE INSURANCE COMPANY

Carrier

Plans

Premium

UNITED OF OMAHA LIFE INSURANCE COMPANY

$173K

50.0%

BLUE CROSS OF CALIFORNIA

$1.8M

50.0%

State

Plans

Premium

State share

Index

$2.0M

0.0%

12.75x

Sponsor

Loc

Premium

Comp

Carrier

A-C ELECTRIC COMPANY

A-C ELECTRIC HEALTH & WELFARE PLAN

$1.8M

$96K

BLUE SHIELD OF CALIFORNIA

CENTRE FOR NEURO SKILLS

CENTRE FOR NEURO SKILLS ERISA HEALTHCARE PLAN

$173K

$26K

UNITED OF OMAHA LIFE INSURANCE COMPANY