Welfare broker

FREDERICK SCRUGGS

Mailing address (most recent filing)

PO BOX 2340

FOREST, VA 24551

Total comp: $16K
Commissions: $16K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

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

ANTHEM LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
ANTHEM LIFE INSURANCE COMPANY	1	$543K	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
VA	1	$543K	0.0%	45.89x

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 FREDERICK SCRUGGS's plans by broker comp / premium ratio. Median 2.97% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where FREDERICK SCRUGGS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
MH MASONRY AND ASSOCIATES, INC. MH MASONRY AND ASSOCIATES, INC. EMPLOYEE BENEFITS PLAN	VA	$543K	$16K	ANTHEM HEALTH PLANS OF VIRGINIA, INC.