Welfare broker

THERESA NETTO PHILLIPS

Mailing address (most recent filing)

6219 S CLARA AVE

FRESNO, CA 93706

Total comp: $69K
Commissions: $69K
Fees: $684
Filings: 21
Sponsors: 21

Carrier mix

Where THERESA NETTO PHILLIPS places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNUM LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$383K	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	$383K	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 THERESA NETTO PHILLIPS's plans by broker comp / premium ratio. Median 23.95% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of THERESA NETTO PHILLIPS's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where THERESA NETTO PHILLIPS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
COMMUNITY PHYSICIANS GROUP, INC. BLUE SHIELD PPO	CA	$383K	$92K	COLONIAL LIFE & ACCIDENT INSURANCE COMPANY