Welfare broker

VALUE ADDED BNFT ADMSTR INC

Mailing address (most recent filing)

4704

WEST JENNIFER AVENUE, SUITE 104

FRESNO, CA 93722

Total comp: $357K
Commissions: $209K
Fees: $149K
Filings: 3
Sponsors: 3

Carrier mix

Where VALUE ADDED BNFT ADMSTR INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

SYMETRA LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
SYMETRA LIFE INSURANCE COMPANY	1	$4.3M	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	$4.3M	0.0%	12.80x

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 VALUE ADDED BNFT ADMSTR INC's plans by broker comp / premium ratio. Median 7.79% vs welfare-wide median 6.40% (n=1).

Prospect-flag exposure · vs market baseline

Share of VALUE ADDED BNFT ADMSTR INC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where VALUE ADDED BNFT ADMSTR INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
HILMAR CHEESE COMPANY, INC HILMAR CHEESE COMPANY, INC. HEALTH BENEFITS PLAN	CA	$4.3M	$338K	SYMETRA LIFE INSURANCE COMPANY