Welfare broker

FLANAGAN, JAMES RICHARD

Mailing address (most recent filing)

175 DERBY ST UNIT 4

HINGHAM, MA 02043

Total comp: $3K
Commissions: $3K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

Where FLANAGAN, JAMES RICHARD places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

SUN LIFE ASSURANCE COMPANY OF CANADA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
SUN LIFE ASSURANCE COMPANY OF CANADA	1	$66K	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
MA	1	$66K	0.0%	46.22x

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 FLANAGAN, JAMES RICHARD's plans by broker comp / premium ratio. Median 4.88% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where FLANAGAN, JAMES RICHARD is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
WORK, INC. WORK, INC. LIFE & AD&D PLAN	MA	$66K	$3K	SUN LIFE ASSURANCE COMPANY OF CANADA