Welfare broker

ZP INSURANCE LLC

Mailing address (most recent filing)

525 20TH STREET

SAN FRANCISCO, CA 94107

Total comp: $60K
Commissions: $37K
Fees: $23K
Filings: 14
Sponsors: 14

Carrier mix

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

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$173K	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	$173K	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 ZP INSURANCE LLC's plans by broker comp / premium ratio. Median 4.46% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where ZP INSURANCE LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
BOTRISTA, INC. BOTRISTA, INC. DENTAL AND VISION PLAN	CA	$173K	$8K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA