Welfare broker

VALLEY STRONG CREDIT UNION

Mailing address (most recent filing)

PO BOX 9506

BAKERSFIELD, CA 933899506

Total comp: $138K
Commissions: $78K
Fees: $60K
Filings: 1
Sponsors: 1

Carrier mix

Where VALLEY STRONG CREDIT UNION places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

CALIFORNIA PHYSICIANS SERVICE100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CALIFORNIA PHYSICIANS SERVICE	1	$8.4M	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	$8.4M	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 STRONG CREDIT UNION's plans by broker comp / premium ratio. Median 4.33% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where VALLEY STRONG CREDIT UNION is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
VALLEY STRONG CREDIT UNION VALLEY STRONG CREDIT UNION EMPLOYEE BENEFITS PLAN	CA	$8.4M	$363K	CALIFORNIA PHYSICIANS' SERVICE