Welfare broker

TSM INSURANCE & FINANCIAL SERVICES

Mailing address (most recent filing)

1317 OAKDALE RD STE 910

MODESTO, CA 95355

Total comp: $401K
Commissions: $401K
Fees: $8
Filings: 11
Sponsors: 11

Carrier mix

Where TSM INSURANCE & FINANCIAL SERVICES places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

HCC LIFE INSURANCE COMPANY50.0%
KAISER FOUNDATION HEALTH PLAN INC33.3%
RELIANCE STANDARD LIFE INSURANCE COMPANY16.7%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HCC LIFE INSURANCE COMPANY	3	$2.2M	50.0%
KAISER FOUNDATION HEALTH PLAN INC	2	$3.4M	33.3%
RELIANCE STANDARD LIFE INSURANCE COMPANY	1	$55K	16.7%

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	6	$5.7M	0.1%	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 TSM INSURANCE & FINANCIAL SERVICES's plans by broker comp / premium ratio. Median 6.36% vs welfare-wide median 6.29% (n=6).

Prospect-flag exposure · vs market baseline

Share of TSM INSURANCE & FINANCIAL SERVICES's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-6 of 6 sponsors where TSM INSURANCE & FINANCIAL SERVICES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
VAGARO INC VAGARO INC. HEALTH AND WELFARE PLAN	CA	$2.5M	$144K	KAISER FOUNDATION HEALTH PLAN, INC.
MONSCHEIN INDUSTRIES MONSCHEIN INDUSTRIES WELFARE PLAN	CA	$920K	$64K	KAISER FOUNDATION HEALTH PLAN, INC.
BEST DEAL FOOD COMPANY, INC. BEST DEAL FOOD COMPANY, INC. EMPLOYEE BENEFITS PLAN	CA	$457K	$50K	TOKIO MARINE HCC
HOGAN MFG., INC. HOGAN MFG., INC. EMPLOYEE BENEFITS PLAN	CA	$741K	$14K	HCC LIFE INSURANCE COMPANY
A.L. GILBERT CO. A.L. GILBERT HEALTH AND WELFARE PLAN	CA	$55K	$7K	RELIANCE STANDARD LIFE INSURANCE COMPANY
GILTON SOLID WASTE MANAGMENT, INC. GILTON SOLID WASTE MANAGEMENT, INC. EMPLOYEE BENEFITS PLAN	CA	$1.0M	$6K	HCC LIFE INSURANCE COMPANY