Welfare broker

FIRST COMMONWEALTH INSURANCE AGENCY

Mailing address (most recent filing)

654 PHILADELPHIA ST.

INDIANA, PA 15701

Total comp: $190K
Commissions: $183K
Fees: $7K
Filings: 10
Sponsors: 10

Carrier mix

Where FIRST COMMONWEALTH INSURANCE AGENCY places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITEDHEALTHCARE INSURANCE COMPANY33.3%
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY33.3%
UPMC HEALTH OPTIONS33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$1.7M	33.3%
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY	1	$347K	33.3%
UPMC HEALTH OPTIONS	1	$1.4M	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
PA	2	$1.7M	0.0%	15.99x
NV	1	$1.7M	0.2%	75.37x

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 FIRST COMMONWEALTH INSURANCE AGENCY's plans by broker comp / premium ratio. Median 4.46% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

Share of FIRST COMMONWEALTH INSURANCE AGENCY's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-3 of 3 sponsors where FIRST COMMONWEALTH INSURANCE AGENCY is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
Z LINE KITCHEN AND BATH LLC Z LINE KITCHEN AND BATH BENEFIT PLAN	NV	$1.7M	$75K	UNITEDHEALTHCARE INSURANCE COMPANY
STUCKEY AUTOMOTIVE STUCKEY FORD-SUBARU EMPLOYEE BENEFIT PLAN	PA	$347K	$56K	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY
HERITAGE COAL & NATURAL RESOURCES, LLC HERITAGE COAL & NATURAL RESOURCES, LLC BENEFIT PLAN	PA	$1.4M	$48K	UPMC HEALTH OPTIONS

Carrier

Plans

Premium

UNITEDHEALTHCARE INSURANCE COMPANY

$1.7M

33.3%

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY

$347K

33.3%

UPMC HEALTH OPTIONS

$1.4M

33.3%

State

Plans

Premium

State share

Index

$1.7M

0.0%

15.99x

$1.7M

0.2%

75.37x

Sponsor

Loc

Premium

Comp

Carrier

Z LINE KITCHEN AND BATH LLC

Z LINE KITCHEN AND BATH BENEFIT PLAN

$1.7M

$75K

UNITEDHEALTHCARE INSURANCE COMPANY

STUCKEY AUTOMOTIVE

STUCKEY FORD-SUBARU EMPLOYEE BENEFIT PLAN

$347K

$56K

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY

HERITAGE COAL & NATURAL RESOURCES, LLC

HERITAGE COAL & NATURAL RESOURCES, LLC BENEFIT PLAN

$1.4M

$48K

UPMC HEALTH OPTIONS