Welfare broker

SMO FINANCIAL AND INSURANCE SERVICE

Mailing address (most recent filing)

3435 OCEAN PARK BLVD-STE 107-500

SANTA MONICA, CA 90405

Total comp: $75K
Commissions: $100K
Fees: $-25K
Filings: 1
Sponsors: 1

Carrier mix

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

AETNA LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
AETNA LIFE INSURANCE COMPANY	1	$1.9M	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	$1.9M	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 SMO FINANCIAL AND INSURANCE SERVICE's plans by broker comp / premium ratio. Median 4.46% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where SMO FINANCIAL AND INSURANCE SERVICE is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
GIANT BICYCLE, INC. GIANT BICYCLE, INC. WELFARE BENEFIT PLAN	CA	$1.9M	$84K	AETNA LIFE INSURANCE COMPANY