Welfare broker

ARNOLD GAHAGAN

Mailing address (most recent filing)

491 MAIN STREET

BANGOR, ME 04401

Total comp: $46K
Commissions: $46K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

UPMC HEALTH OPTIONS100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UPMC HEALTH OPTIONS	1	$1.1M	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
ME	1	$1.1M	0.3%	296.27x

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 ARNOLD GAHAGAN's plans by broker comp / premium ratio. Median 4.92% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where ARNOLD GAHAGAN is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CHAMBERS LEASING CHAMBERS LEASING D/B/A SCOTT'S RECREATION WRAP PLAN	ME	$1.1M	$53K	COMMUNITY HEALTH OPTIONS