Welfare broker

STEMLER'S INSURANCE AGENCY INC

Mailing address (most recent filing)

900 HOWE AVENUE

SUITE 220

SACRAMENTO, CA 95825

Total comp: $86K
Commissions: $86K
Fees: $0
Filings: 7
Sponsors: 7

Carrier mix

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

CALIFORNIA CHOICE100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CALIFORNIA CHOICE	1	$99K	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	$99K	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 STEMLER'S INSURANCE AGENCY INC's plans by broker comp / premium ratio. Median n/a vs welfare-wide median 6.29% (n=0).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where STEMLER'S INSURANCE AGENCY INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CNW CONSTRUCTION CNW CONSTRUCTION HEALTH & WELFARE PROGRAM	CA	$99K	$0	CALIFORNIA CHOICE