Welfare broker

SAP INSURANCE SERVICES

Mailing address (most recent filing)

PO BOX 363909

SAN JUAN, PR 00936

Total comp: $37K
Commissions: $37K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

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

TRIPLE S SALUD, INC.50.0%
DELTA DENTAL OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
TRIPLE S SALUD, INC.	1	$688K	50.0%
DELTA DENTAL OF CALIFORNIA	1	$42K	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
PR	2	$730K	0.4%	223.06x

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 SAP INSURANCE SERVICES's plans by broker comp / premium ratio. Median 5.97% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where SAP INSURANCE SERVICES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
GARAGE ISLA VERDE GARAGE ISLA VERDE HEALTH PLAN	PR	$688K	$34K	TRIPLE S SALUD, INC
GARAGE ISLA VERDE GARAGE ISLA VERDE DELTA DENTAL	PR	$42K	$3K	DELTA DENTAL OF PUERTO RICO, INC