Welfare broker

FREDRICK SCHAEFFER JR

Mailing address (most recent filing)

PO BOX 171368

MEMPHIS, TN 38187

Total comp: $179K
Commissions: $116K
Fees: $62K
Filings: 3
Sponsors: 3

Carrier mix

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

PRUDENTIAL INSURANCE COMPANY OF AMERICA50.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PRUDENTIAL INSURANCE COMPANY OF AMERICA	1	$177K	50.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$1.3M	50.0%

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
TN	2	$1.5M	0.1%	64.91x

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 FREDRICK SCHAEFFER JR's plans by broker comp / premium ratio. Median 11.40% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where FREDRICK SCHAEFFER JR is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ORION FEDERAL CREDIT UNION ORION FEDERAL CREDIT UNION GROUP HEALTH INSURANCE PLAN	TN	$1.3M	$101K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
ORION FEDERAL CREDIT UNION ORION FEDERAL CREDIT UNION LIFE AND LONG TERM DISABILITY INSURANCE	TN	$177K	$27K	PRUDENTIAL INSURANCE COMPANY OF AMERICA

Carrier

Plans

Premium

PRUDENTIAL INSURANCE COMPANY OF AMERICA

$177K

50.0%

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$1.3M

50.0%

State

Plans

Premium

State share

Index

$1.5M

0.1%

64.91x

Sponsor

Loc

Premium

Comp

Carrier

ORION FEDERAL CREDIT UNION

ORION FEDERAL CREDIT UNION GROUP HEALTH INSURANCE PLAN

$1.3M

$101K

CIGNA HEALTH AND LIFE INSURANCE COMPANY

ORION FEDERAL CREDIT UNION

ORION FEDERAL CREDIT UNION LIFE AND LONG TERM DISABILITY INSURANCE

$177K

$27K

PRUDENTIAL INSURANCE COMPANY OF AMERICA