Welfare broker

WGB-RABY LP

Mailing address (most recent filing)

12264 EL CAMINO REAL SUITE 350

SAN DIEGO, CA 92130

Total comp: $85K
Commissions: $85K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

Where WGB-RABY LP places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

CIGNA HEALTH AND LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$1.7M	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	$1.7M	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 WGB-RABY LP's plans by broker comp / premium ratio. Median 5.67% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of WGB-RABY LP's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where WGB-RABY LP is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
HAY HOUSE LLC, FKA HAY HOUSE, INC. HAY HOUSE LLC, FKA HAY HOUSE, INC. WELFARE BENEFIT PLAN	CA	$1.7M	$94K	CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES