Welfare broker

TOPAZ OWL INSURANCE AGENCY LLC

Mailing address (most recent filing)

8778 YUBA ROAD

PHELAN, CA 92371

Total comp: $101K
Commissions: $6K
Fees: $96K
Filings: 1
Sponsors: 1

Carrier mix

Where TOPAZ OWL INSURANCE AGENCY LLC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

BLUE CROSS OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	1	$5.8M	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	$5.8M	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 TOPAZ OWL INSURANCE AGENCY LLC's plans by broker comp / premium ratio. Median 3.46% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of TOPAZ OWL INSURANCE AGENCY LLC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where TOPAZ OWL INSURANCE AGENCY LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
BISCO INDUSTRIES, INC. BISCO INDUSTRIES, INC. WELFARE BENEFITS PLAN	CA	$5.8M	$201K	CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA)