Welfare broker

JAMES M MCCARTHY

Mailing address (most recent filing)

1068 BLACK ROCK TPKE

EASTON, CT 06612

Total comp: $22K
Commissions: $22K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

PRUDENTIAL INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PRUDENTIAL INSURANCE COMPANY OF AMERICA	1	$927K	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
NY	1	$927K	0.0%	20.01x

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 M MCCARTHY's plans by broker comp / premium ratio. Median 9.12% vs welfare-wide median 6.40% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where JAMES M MCCARTHY is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
AG US GROUP SERVICES INC. AG US GROUP SERVICES INC. HEALTH AND WELFARE PLAN	NY	$927K	$85K	PRUDENTIAL INSURANCE COMPANY OF AMERICA