Welfare broker

JAMES C. TEACHOUT

Mailing address (most recent filing)

1204 E CENTRE AVE

PORTAGE, MI 49002

Total comp: $123K
Commissions: $123K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

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

PRIORITY HEALTH33.3%
DEARBORN LIFE INSURANCE COMPANY33.3%
BLUE CROSS OF CALIFORNIA33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PRIORITY HEALTH	1	$1.5M	33.3%
DEARBORN LIFE INSURANCE COMPANY	1	$116K	33.3%
BLUE CROSS OF CALIFORNIA	1	$2.6M	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
MI	3	$4.2M	0.1%	41.16x

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 JAMES C. TEACHOUT's plans by broker comp / premium ratio. Median 3.07% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where JAMES C. TEACHOUT is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
STURGIS BANK & TRUST COMPANY STURGIS BANK & TRUST COMPANY MEDICAL PLAN	MI	$2.6M	$79K	BLUE CROSS BLUE SHIELD OF MICHIGAN
PARAGON HEALTH, P.C. PARAGON HEALTH HRA PLAN	MI	$1.5M	$43K	PRIORITY HEALTH
STURGIS BANK & TRUST COMPANY STURGIS BANK & TRUST DISABILITY INSURANCE PLAN	MI	$116K	$14K	DEARBORN LIFE INSURANCE COMPANY

Carrier

Plans

Premium

PRIORITY HEALTH

$1.5M

33.3%

DEARBORN LIFE INSURANCE COMPANY

$116K

33.3%

BLUE CROSS OF CALIFORNIA

$2.6M

33.3%

State

Plans

Premium

State share

Index

$4.2M

0.1%

41.16x

Sponsor

Loc

Premium

Comp

Carrier

STURGIS BANK & TRUST COMPANY

STURGIS BANK & TRUST COMPANY MEDICAL PLAN

$2.6M

$79K

BLUE CROSS BLUE SHIELD OF MICHIGAN

PARAGON HEALTH, P.C.

PARAGON HEALTH HRA PLAN

$1.5M

$43K

PRIORITY HEALTH

STURGIS BANK & TRUST COMPANY

STURGIS BANK & TRUST DISABILITY INSURANCE PLAN

$116K

$14K

DEARBORN LIFE INSURANCE COMPANY