Welfare broker

DANIEL WARD RICHARDSON

Mailing address (most recent filing)

7804 FAIRVIEW RD

#266

CHARLOTTE, NC 28226

Total comp: $472K
Commissions: $381K
Fees: $91K
Filings: 22
Sponsors: 22

Carrier mix

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

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY66.7%
CIGNA HEALTH AND LIFE INSURANCE COMPANY33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY	2	$287K	66.7%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$2.4M	33.3%

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
NC	2	$287K	0.1%	31.82x
GA	1	$2.4M	0.0%	5.06x

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 DANIEL WARD RICHARDSON's plans by broker comp / premium ratio. Median 15.00% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where DANIEL WARD RICHARDSON is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
AXIS SPECIALTY U.S. SERVICES, INC. AXIS SPECIALTY U.S. SERVICES, INC. WELFARE PLAN	GA	$2.4M	$109K	CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES
ROBINSON, BRADSHAW AND HINSON, P.A. ROBINSON BRADSHAW AND HINSON, PA LONG TERM DISABILITY PLAN	NC	$225K	$34K	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY
ROBINSON, BRADSHAW AND HINSON, P.A. ROBINSON BRADSHAW AND HINSON, PA GROUP LIFE INSURANCE PLAN	NC	$62K	$9K	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY

Carrier

Plans

Premium

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY

$287K

66.7%

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$2.4M

33.3%

State

Plans

Premium

State share

Index

$287K

0.1%

31.82x

$2.4M

0.0%

5.06x

Sponsor

Loc

Premium

Comp

Carrier

AXIS SPECIALTY U.S. SERVICES, INC.

AXIS SPECIALTY U.S. SERVICES, INC. WELFARE PLAN

$2.4M

$109K

CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES

ROBINSON, BRADSHAW AND HINSON, P.A.

ROBINSON BRADSHAW AND HINSON, PA LONG TERM DISABILITY PLAN

$225K

$34K

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY

ROBINSON, BRADSHAW AND HINSON, P.A.

ROBINSON BRADSHAW AND HINSON, PA GROUP LIFE INSURANCE PLAN

$62K

$9K

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY