Welfare broker

STEPHEN J COTE

Mailing address (most recent filing)

421 W. RIVERSIDE, SUITE 904

SPOKANE, WA 99201

Total comp: $107K
Commissions: $100K
Fees: $7K
Filings: 3
Sponsors: 3

Carrier mix

Where STEPHEN J COTE places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

PRINCIPAL LIFE INSURANCE COMPANY50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PRINCIPAL LIFE INSURANCE COMPANY	1	$101K	50.0%
BLUE CROSS OF CALIFORNIA	1	$1.2M	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
ID	2	$1.3M	0.5%	265.01x

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 STEPHEN J COTE's plans by broker comp / premium ratio. Median 4.85% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of STEPHEN J COTE's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where STEPHEN J COTE is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
RUEN DRILLING, INC. RUEN DRILLING, INC. MEDICAL PLAN	ID	$1.2M	$54K	BLUE CROSS OF IDAHO
RUEN DRILLING, INC RUEN DRILLING, INC. DENTAL PLAN	ID	$101K	$5K	PRINCIPAL LIFE INSURANCE COMPANY