Welfare broker

CHERYL O'BRIEN

Mailing address (most recent filing)

8900 MICHIGAN AVE

CICERO, NY 13039

Total comp: $74K
Commissions: $73K
Fees: $856
Filings: 8
Sponsors: 8

Carrier mix

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

KAISER FOUNDATION HEALTH PLAN INC100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
KAISER FOUNDATION HEALTH PLAN INC	1	$3.0M	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
CA	1	$3.0M	0.0%	12.75x

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 CHERYL O'BRIEN's plans by broker comp / premium ratio. Median 1.00% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where CHERYL O'BRIEN is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
GRIMMWAY ENTERPRISES, INC. GRIMMWAY ENTERPRISES, INC. ADMINISTRATIVE GROUP WELFARE PLAN	CA	$3.0M	$30K	KAISER FOUNDATION HEALTH PLAN, INC.