Welfare broker

AMBER NICOLE RICHARDSON

Mailing address (most recent filing)

1241 LYNDON LN

RADCLIFF, KY 40160

Total comp: $6K
Commissions: $5K
Fees: $123
Filings: 7
Sponsors: 7

Carrier mix

Where AMBER NICOLE RICHARDSON places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

DELTA DENTAL OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
DELTA DENTAL OF CALIFORNIA	1	$92K	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
KY	1	$92K	0.0%	19.70x

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 AMBER NICOLE RICHARDSON's plans by broker comp / premium ratio. Median 17.01% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of AMBER NICOLE RICHARDSON's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where AMBER NICOLE RICHARDSON is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
FB PURNELL SAUSAGE COMPANY INC. FB PURNELL SAUSAGE COMPANY INC. WRAP PLAN	KY	$92K	$16K	DELTA DENTAL OF KENTUCKY