Welfare broker

S AND K FINANCIAL AND INS. SVC. INC

Mailing address (most recent filing)

UNKNOWN

PALOS VERDES PENINSULA, CA 90274

Total comp: $112K
Commissions: $112K
Fees: $0
Filings: 8
Sponsors: 8

Carrier mix

Where S AND K FINANCIAL AND INS. SVC. INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY50.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY	1	$5K	50.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$1.2M	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	$1.2M	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 S AND K FINANCIAL AND INS. SVC. INC's plans by broker comp / premium ratio. Median 8.50% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of S AND K FINANCIAL AND INS. SVC. INC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where S AND K FINANCIAL AND INS. SVC. INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
SMITH-EMERY INTERNATIONAL, INC. SMITH-EMERY INTERNATIONAL, INC.	CA	$1.2M	$81K	CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES
SMITH-EMERY INTERNATIONAL, INC. SMITH-EMERY INTERNATIONAL, INC.	CA	$5K	$456	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY

Carrier

Plans

Premium

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY

$5K

50.0%

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$1.2M

50.0%

State

Plans

Premium

State share

Index

$1.2M

0.0%

12.75x

Sponsor

Loc

Premium

Comp

Carrier

SMITH-EMERY INTERNATIONAL, INC.

$1.2M

$81K

CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES

SMITH-EMERY INTERNATIONAL, INC.

$5K

$456

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY