Welfare broker

SCHNEIDER & CARMEL INSURANCE AGENCY

Mailing address (most recent filing)

PO BOX 5986

SCOTTSDALE, AZ 852615986

Total comp: $49K
Commissions: $0
Fees: $49K
Filings: 1
Sponsors: 1

Carrier mix

Where SCHNEIDER & CARMEL INSURANCE AGENCY places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITED HEALTHCARE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITED HEALTHCARE INSURANCE COMPANY	1	$932K	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
AZ	1	$932K	0.1%	85.91x

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 SCHNEIDER & CARMEL INSURANCE AGENCY's plans by broker comp / premium ratio. Median 7.35% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of SCHNEIDER & CARMEL INSURANCE AGENCY's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where SCHNEIDER & CARMEL INSURANCE AGENCY is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ARIZONA PULMONARY SPECIALISTS, LTD. ARIZONA PULMONARY SPECIALISTS, LTD. GROUP INS PLAN	AZ	$932K	$68K	UNITED HEALTHCARE INSURANCE COMPANY

Carrier

Plans

Premium

UNITED HEALTHCARE INSURANCE COMPANY

$932K

100.0%

State

Plans

Premium

State share

Index

$932K

0.1%

85.91x

Sponsor

Loc

Premium

Comp

Carrier

ARIZONA PULMONARY SPECIALISTS, LTD.

ARIZONA PULMONARY SPECIALISTS, LTD. GROUP INS PLAN

$932K

$68K

UNITED HEALTHCARE INSURANCE COMPANY