Welfare broker

UNITED BEHAVIORAL HEALTH DBA OPTUM

Mailing address (most recent filing)

425 MARKET STREET, 14TH FLOOR

SAN FRANCISCO, CA 94105

Total comp: $675K
Commissions: $23K
Fees: $652K
Filings: 10
Sponsors: 10

Carrier mix

Where UNITED BEHAVIORAL HEALTH DBA OPTUM places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITEDHEALTHCARE INSURANCE COMPANY33.3%
METROPOLITAN LIFE INSURANCE COMPANY33.3%
KAISER FOUNDATION HEALTH PLAN INC33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$9.1M	33.3%
METROPOLITAN LIFE INSURANCE COMPANY	1	$3.0M	33.3%
KAISER FOUNDATION HEALTH PLAN INC	1	$11.2M	33.3%

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
OH	1	$3.0M	0.0%	2.57x
NY	1	$11.2M	0.0%	6.61x
GA	1	$9.1M	0.0%	5.06x

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 UNITED BEHAVIORAL HEALTH DBA OPTUM's plans by broker comp / premium ratio. Median 2.24% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

Share of UNITED BEHAVIORAL HEALTH DBA OPTUM's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-3 of 3 sponsors where UNITED BEHAVIORAL HEALTH DBA OPTUM is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CONSTELLATION BRANDS, INC. CONSTELLATION BRANDS, INC. HEALTH AND WELFARE PLAN	NY	$11.2M	$246K	KAISER FOUNDATION HEALTH PLAN, INC.
SWAGELOK COMPANY SWAGELOK COMPANY WELFARE BENEFIT PLAN	OH	$3.0M	$215K	METROPOLITAN LIFE INSURANCE COMPANY
SAIA MOTOR FREIGHT LINE LLC SAIA MOTOR FREIGHT LINE LLC EMPLOYEE PREFERRED PROVIDER PLAN	GA	$9.1M	$203K	UNITED BEHAVIORAL HEALTH DBA OPTUM

Carrier

Plans

Premium

UNITEDHEALTHCARE INSURANCE COMPANY

$9.1M

33.3%

METROPOLITAN LIFE INSURANCE COMPANY

$3.0M

33.3%

KAISER FOUNDATION HEALTH PLAN INC

$11.2M

33.3%

State

Plans

Premium

State share

Index

$3.0M

0.0%

2.57x

$11.2M

0.0%

6.61x

$9.1M

0.0%

5.06x

Sponsor

Loc

Premium

Comp

Carrier

CONSTELLATION BRANDS, INC.

CONSTELLATION BRANDS, INC. HEALTH AND WELFARE PLAN

$11.2M

$246K

KAISER FOUNDATION HEALTH PLAN, INC.

SWAGELOK COMPANY

SWAGELOK COMPANY WELFARE BENEFIT PLAN

$3.0M

$215K

METROPOLITAN LIFE INSURANCE COMPANY

SAIA MOTOR FREIGHT LINE LLC

SAIA MOTOR FREIGHT LINE LLC EMPLOYEE PREFERRED PROVIDER PLAN

$9.1M

$203K

UNITED BEHAVIORAL HEALTH DBA OPTUM