Welfare broker

AB& D CO

Mailing address (most recent filing)

1523 HUGUENOT ROAD

MIDLOTHIAN, VA 23113

Total comp: $88K
Commissions: $88K
Fees: $300
Filings: 1
Sponsors: 1

Carrier mix

Where AB& D CO places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY	1	$0	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
WV	1	$0	0.2%	276.42x

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 AB& D CO's plans by broker comp / premium ratio. Median n/a vs welfare-wide median 6.29% (n=0).

Prospect-flag exposure · vs market baseline

Share of AB& D CO's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where AB& D CO is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
J. H. FLETCHER & CO. J. H. FLETCHER & CO. EMPLOYEES PROFIT SHARING PLAN	WV	$0	$112K	MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY