Welfare broker

VALLEY COMPANIES INC

Mailing address (most recent filing)

1823 CENTRE POINT CIRCLE, SUITE 101

NAPERVILLE, IL 60563

Total comp: $195K
Commissions: $183K
Fees: $12K
Filings: 4
Sponsors: 4

Carrier mix

Where VALLEY COMPANIES INC 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	2	$5.2M	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
IL	2	$5.2M	0.0%	28.47x

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 COMPANIES INC's plans by broker comp / premium ratio. Median 4.03% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where VALLEY COMPANIES INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
MCGRATH ENTERPRISES, INC. MCGRATH AUTOMOTIVE GROUP HEALTH AND WELFARE BENEFIT PLAN	IL	$3.7M	$149K	BLUECROSS BLUESHIELD OF ILLINOIS
PHILLIPS CHEVROLET, INC. PHILLIPS CHEVROLET, INC. WELFARE BENEFIT PLAN	IL	$1.4M	$58K	BLUECROSS BLUESHIELD OF ILLINOIS

Carrier

Plans

Premium

BLUE CROSS OF CALIFORNIA

$5.2M

100.0%

State

Plans

Premium

State share

Index

$5.2M

0.0%

28.47x

Sponsor

Loc

Premium

Comp

Carrier

MCGRATH ENTERPRISES, INC.

MCGRATH AUTOMOTIVE GROUP HEALTH AND WELFARE BENEFIT PLAN

$3.7M

$149K

BLUECROSS BLUESHIELD OF ILLINOIS

PHILLIPS CHEVROLET, INC.

PHILLIPS CHEVROLET, INC. WELFARE BENEFIT PLAN

$1.4M

$58K

BLUECROSS BLUESHIELD OF ILLINOIS