Welfare broker

CIF INSURANCE AGENCY, INC.

Mailing address (most recent filing)

21168 BEACH BOULEVARD

HUNTINGTON BEACH, CA 92648

Total comp: $81K
Commissions: $18K
Fees: $63K
Filings: 3
Sponsors: 3

Carrier mix

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

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA33.3%
CALIFORNIA PHYSICIANS SERVICE33.3%
BLUE CROSS OF CALIFORNIA33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$26K	33.3%
CALIFORNIA PHYSICIANS SERVICE	1	$1.7M	33.3%
BLUE CROSS OF CALIFORNIA	1	$13K	33.3%

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	3	$1.8M	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 CIF INSURANCE AGENCY, INC.'s plans by broker comp / premium ratio. Median 11.07% vs welfare-wide median 6.40% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where CIF INSURANCE AGENCY, INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ONTARIO CHRISTIAN SCHOOL ASSOCIATION ONTARIO CHRISTIAN SCHOOL ASSOCIATION MEDICAL PLAN	CA	$1.7M	$126K	CALIFORNIA PHYSICIANS SERVICE
ONTARIO CHRISTIAN SCHOOL ASSOCIATION ONTARIO CHRISTIAN SCHOOL ASSOCIATION HEALTH AND WELFARE PLAN	CA	$26K	$4K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
ONTARIO CHRISTIAN SCHOOL ASSOCIATION ONTARIO CHRISTIAN SCHOOLS ASSOCIATION LIFE AND AD&D PLAN	CA	$13K	$1K	BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY

Carrier

Plans

Premium

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

$26K

33.3%

CALIFORNIA PHYSICIANS SERVICE

$1.7M

33.3%

BLUE CROSS OF CALIFORNIA

$13K

33.3%

State

Plans

Premium

State share

Index

$1.8M

0.0%

12.80x

Sponsor

Loc

Premium

Comp

Carrier

ONTARIO CHRISTIAN SCHOOL ASSOCIATION

ONTARIO CHRISTIAN SCHOOL ASSOCIATION MEDICAL PLAN

$1.7M

$126K

CALIFORNIA PHYSICIANS SERVICE

ONTARIO CHRISTIAN SCHOOL ASSOCIATION

ONTARIO CHRISTIAN SCHOOL ASSOCIATION HEALTH AND WELFARE PLAN

$26K

$4K

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

ONTARIO CHRISTIAN SCHOOL ASSOCIATION

ONTARIO CHRISTIAN SCHOOLS ASSOCIATION LIFE AND AD&D PLAN

$13K

$1K

BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY