Welfare broker

BERNADETTE M O'NEIL

Mailing address (most recent filing)

ELLIS PRESERVE

3809 WEST CHESTER PIKE

NEWTOWN SQUARE, PA 19073

Total comp: $335K
Commissions: $280K
Fees: $55K
Filings: 5
Sponsors: 5

Carrier mix

Where BERNADETTE M O'NEIL places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

SYMETRA LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
SYMETRA LIFE INSURANCE COMPANY	1	$2.7M	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
NY	1	$2.7M	0.0%	19.82x

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 BERNADETTE M O'NEIL's plans by broker comp / premium ratio. Median 16.18% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of BERNADETTE M O'NEIL's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where BERNADETTE M O'NEIL is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
SKANSKA USA CIVIL, INC. SKANSKA USA CIVIL, INC. EMPLOYEE BENEFITS PLAN	NY	$2.7M	$436K	FIRST SYMETRA NATIONAL LIFE INS CO OF NEW YORK