Welfare broker

STEVEN PAULI INSURANCE

Mailing address (most recent filing)

PO BOX 363909

SAN JUAN, PR 009363909

Total comp: $341K
Commissions: $285K
Fees: $56K
Filings: 5
Sponsors: 5

Carrier mix

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

MCS LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
MCS LIFE INSURANCE COMPANY	3	$5.7M	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
PR	3	$5.7M	0.6%	223.06x

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 STEVEN PAULI INSURANCE's plans by broker comp / premium ratio. Median 5.94% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
CLINICAL MEDICAL SERVICES CLINICAL MEDICAL SERVICES HEALTH	PR	$2.2M	$130K	MCS LIFE INSURANCE COMPANY
TELEMUNDO DE PR LLC TELEMUNDO DE PR LLC	PR	$1.9M	$112K	MCS LIFE INSURANCE COMPANY
CLINICAL MEDICAL SERVICES CLINICAL MEDICAL SERVICES HEALTH	PR	$1.6M	$96K	MCS LIFE INSURANCE COMPANY

Carrier

Plans

Premium

MCS LIFE INSURANCE COMPANY

$5.7M

100.0%

State

Plans

Premium

State share

Index

$5.7M

0.6%

223.06x

Sponsor

Loc

Premium

Comp

Carrier

CLINICAL MEDICAL SERVICES

CLINICAL MEDICAL SERVICES HEALTH

$2.2M

$130K

MCS LIFE INSURANCE COMPANY

TELEMUNDO DE PR LLC

$1.9M

$112K

MCS LIFE INSURANCE COMPANY

CLINICAL MEDICAL SERVICES

CLINICAL MEDICAL SERVICES HEALTH

$1.6M

$96K

MCS LIFE INSURANCE COMPANY