Welfare broker

S & K FINANCIAL AND INSURANCE

Mailing address (most recent filing)

SERVICES, INC.

734 SILVER SPUR ROAD

ROLLING HILLS ESTATES, CA 90274

Total comp: $324K
Commissions: $322K
Fees: $1K
Filings: 5
Sponsors: 5

Carrier mix

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

KAISER FOUNDATION HEALTH PLAN INC100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
KAISER FOUNDATION HEALTH PLAN INC	1	$1.6M	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
CA	1	$1.6M	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 & K FINANCIAL AND INSURANCE's plans by broker comp / premium ratio. Median 4.80% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where S & K FINANCIAL AND INSURANCE is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ROLLING HILLS COUNTRY CLUB ROLLING HILLS COUNTRY CLUB HEALTH AND WELFARE BENEFIT PLAN	CA	$1.6M	$75K	KAISER FOUNDATION HEALTH PLAN, INC.