Welfare broker

FRANKLIN FINANCIAL GROUP LLC

Mailing address (most recent filing)

11019 MCCORMICK ROAD

SUITE 110

HUNT VALLEY, MD 21031

Total comp: $151K
Commissions: $72K
Fees: $79K
Filings: 8
Sponsors: 8

Carrier mix

Where FRANKLIN FINANCIAL GROUP LLC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITEDHEALTHCARE INSURANCE COMPANY25.0%
UNITED OF OMAHA LIFE INSURANCE COMPANY25.0%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA25.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY25.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$1.9M	25.0%
UNITED OF OMAHA LIFE INSURANCE COMPANY	1	$471K	25.0%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$203K	25.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$799K	25.0%

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
MD	4	$3.3M	0.2%	71.90x

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 FRANKLIN FINANCIAL GROUP LLC's plans by broker comp / premium ratio. Median 6.05% vs welfare-wide median 6.29% (n=4).

Prospect-flag exposure · vs market baseline

Share of FRANKLIN FINANCIAL GROUP LLC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-4 of 4 sponsors where FRANKLIN FINANCIAL GROUP LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
U.M. FDSP ASSOCIATES, P.A. U. M. FDSP ASSOCIATES, P. A. HEALTH AND WELFARE BENEFIT PLAN	MD	$1.9M	$100K	UNITEDHEALTHCARE INSURANCE COMPANY
THE TIME GROUP INC THE TIME GROUP INC EMPLOYEE BENEFITS PLAN	MD	$471K	$65K	UNITED OF OMAHA LIFE INSURANCE COMPANY
GALLAGHER EVELIUS & JONES LLP GALLAGHER EVELIUS & JONES LLP EMPLOYEE BENEFITS PLAN	MD	$799K	$45K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
GILMAN SCHOOL, INC. GILMAN SCHOOL, INC. EMPLOYEE BENEFITS PLAN	MD	$203K	$13K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA