Welfare broker

FOUR M CONSULTING INC.

Mailing address (most recent filing)

12925 PERRY HWY

WEXFORD, PA 15090

Total comp: $289K
Commissions: $289K
Fees: $0
Filings: 5
Sponsors: 5

Carrier mix

Where FOUR M CONSULTING INC. places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

BLUE CROSS OF CALIFORNIA66.7%
HM LIFE INSURANCE COMPANY33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	2	$7.7M	66.7%
HM LIFE INSURANCE COMPANY	1	$2.7M	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	3	$10.4M	0.1%	23.98x

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 FOUR M CONSULTING INC.'s plans by broker comp / premium ratio. Median 3.35% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

Share of FOUR M CONSULTING INC.'s book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-3 of 3 sponsors where FOUR M CONSULTING INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
TEAMSTERS 261 AND EMPLOYERS TEAMSTERS #261 AND EMPLOYERS WELFARE FUND	PA	$2.7M	$141K	HM LIFE INSURANCE COMPANY
COMMUNITY SPECIALISTS CORPORATION COMMUNITY SPECIALISTS CORPORATION DBA THE ACADEMY SCHOOLS SPD WRAP DOCUMENT	PA	$2.6M	$86K	HIGHMARK, INC.
BAKERY DRIVERS' WELFARE FUND BAKERY DRIVERS' WELFARE FUND	PA	$5.1M	$12K	HIGHMARK INC

Carrier

Plans

Premium

BLUE CROSS OF CALIFORNIA

$7.7M

66.7%

HM LIFE INSURANCE COMPANY

$2.7M

33.3%

State

Plans

Premium

State share

Index

$10.4M

0.1%

23.98x

Sponsor

Loc

Premium

Comp

Carrier

TEAMSTERS 261 AND EMPLOYERS

TEAMSTERS #261 AND EMPLOYERS WELFARE FUND

$2.7M

$141K

HM LIFE INSURANCE COMPANY

COMMUNITY SPECIALISTS CORPORATION

COMMUNITY SPECIALISTS CORPORATION DBA THE ACADEMY SCHOOLS SPD WRAP DOCUMENT

$2.6M

$86K

HIGHMARK, INC.

BAKERY DRIVERS' WELFARE FUND

$5.1M

$12K

HIGHMARK INC