Welfare broker

RUTH LARKIN

Mailing address (most recent filing)

UNKNOWN

OAKLAND, CA 94612

Total comp: $809K
Commissions: $809K
Fees: $0
Filings: 15
Sponsors: 15

Carrier mix

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

PRUDENTIAL INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PRUDENTIAL INSURANCE COMPANY OF AMERICA	1	$69K	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
CO	1	$69K	0.1%	81.26x

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 RUTH LARKIN's plans by broker comp / premium ratio. Median 8.99% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where RUTH LARKIN is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
DENVER BRONCOS TEAM, LLC DENVER BRONCOS TEAM, LLC LONG TERM CARE PLAN	CO	$69K	$6K	PRUDENTIAL INSURANCE COMPANY OF AMERICA