Welfare broker

W INSURANCE SERVICES INC

Mailing address (most recent filing)

3035 CALLE FRONTERA

SAN CLEMENTE, CA 92673

Total comp: $252K
Commissions: $252K
Fees: $0
Filings: 11
Sponsors: 11

Carrier mix

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

UNITEDHEALTHCARE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$1.6M	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	$1.6M	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 W INSURANCE SERVICES INC's plans by broker comp / premium ratio. Median 4.66% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
NATIONAL RENAL CARE LLC NATIONAL RENAL CARE LLC WELFARE BENEFIT PLAN	CA	$1.6M	$75K	UNITEDHEALTHCARE INSURANCE COMPANY