Welfare broker

SCHULTE INSURANCE AGENCY

Mailing address (most recent filing)

1036 2ND STREET

ENCINITAS, CA 92024

Total comp: $125K
Commissions: $125K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

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

UNITEDHEALTHCARE INSURANCE COMPANY33.3%
KAISER FOUNDATION HEALTH PLAN INC33.3%
CIGNA HEALTH AND LIFE INSURANCE COMPANY33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$601K	33.3%
KAISER FOUNDATION HEALTH PLAN INC	1	$556K	33.3%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$869K	33.3%

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	3	$2.0M	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 SCHULTE INSURANCE AGENCY's plans by broker comp / premium ratio. Median 8.20% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where SCHULTE INSURANCE AGENCY is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CANYON BICYCLES USA, INC. CANYON BICYCLES USA, INC.	CA	$869K	$71K	CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES
LA6721, LLC LA6721, LLC WELFARE BENEFIT PLAN	CA	$556K	$50K	KAISER FOUNDATION HEALTH PLAN, INC.
TMAG INDUSTRIES, INC TMAG INDUSTRIES, INC. WELFARE BENEFIT PLAN	CA	$601K	$33K	UNITEDHEALTHCARE INSURANCE COMPANY

Carrier

Plans

Premium

UNITEDHEALTHCARE INSURANCE COMPANY

$601K

33.3%

KAISER FOUNDATION HEALTH PLAN INC

$556K

33.3%

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$869K

33.3%

State

Plans

Premium

State share

Index

$2.0M

0.0%

12.75x

Sponsor

Loc

Premium

Comp

Carrier

CANYON BICYCLES USA, INC.

$869K

$71K

CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES

LA6721, LLC

LA6721, LLC WELFARE BENEFIT PLAN

$556K

$50K

KAISER FOUNDATION HEALTH PLAN, INC.

TMAG INDUSTRIES, INC

TMAG INDUSTRIES, INC. WELFARE BENEFIT PLAN

$601K

$33K

UNITEDHEALTHCARE INSURANCE COMPANY