Welfare broker

VALLEY BENEFITS INSURANCE SERVICES

Mailing address (most recent filing)

1317 OAKDALE ROAD #910

MODESTO, CA 95355

Total comp: $48K
Commissions: $48K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

KAISER FOUNDATION HEALTH PLAN INC100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
KAISER FOUNDATION HEALTH PLAN INC	1	$2.6M	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	$2.6M	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 VALLEY BENEFITS INSURANCE SERVICES's plans by broker comp / premium ratio. Median 4.80% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where VALLEY BENEFITS INSURANCE SERVICES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
OAK VALLEY COMMUNITY BANK OAK VALLEY COMMUNITY BANK GROUP MEDICAL, DENTAL, LONG TERM CARE & LIFE PLANS	CA	$2.6M	$126K	KAISER FOUNDATION HEALTH PLAN, INC.

Carrier

Plans

Premium

KAISER FOUNDATION HEALTH PLAN INC

$2.6M

100.0%

State

Plans

Premium

State share

Index

$2.6M

0.0%

12.75x

Sponsor

Loc

Premium

Comp

Carrier

OAK VALLEY COMMUNITY BANK

OAK VALLEY COMMUNITY BANK GROUP MEDICAL, DENTAL, LONG TERM CARE & LIFE PLANS

$2.6M

$126K

KAISER FOUNDATION HEALTH PLAN, INC.