Welfare broker

JAMES E MCNICHOLS

Mailing address (most recent filing)

5 WESTBROOK CORPORATE CTR, STE 110

WESTCHESTER, IL 601545750

Total comp: $1.0M
Commissions: $990K
Fees: $15K
Filings: 5
Sponsors: 5

Carrier mix

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

STANDARD INSURANCE COMPANY66.7%
BLUE CROSS OF CALIFORNIA33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
STANDARD INSURANCE COMPANY	2	$295K	66.7%
BLUE CROSS OF CALIFORNIA	1	$15.0M	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
IL	3	$15.3M	0.1%	28.47x

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 E MCNICHOLS's plans by broker comp / premium ratio. Median 5.96% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where JAMES E MCNICHOLS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
WEATHERTECH DIRECT, LLC WEATHERTECH DIRECT, LLC HEALTH AND WELFARE PLAN	IL	$15.0M	$579K	HEALTH CARE SERVICE CORPORATION
FOURGEN HOLDINGS, INC FOURGEN HOLDINGS, INC HEALTH AND WELFARE PLAN	IL	$170K	$10K	STANDARD INSURANCE COMPANY
NUTRIVO, LLC NUTRIVO, LLC HEALTH & WELFARE PLAN	IL	$125K	$9K	STANDARD INSURANCE COMPANY

Carrier

Plans

Premium

STANDARD INSURANCE COMPANY

$295K

66.7%

BLUE CROSS OF CALIFORNIA

$15.0M

33.3%

State

Plans

Premium

State share

Index

$15.3M

0.1%

28.47x

Sponsor

Loc

Premium

Comp

Carrier

WEATHERTECH DIRECT, LLC

WEATHERTECH DIRECT, LLC HEALTH AND WELFARE PLAN

$15.0M

$579K

HEALTH CARE SERVICE CORPORATION

FOURGEN HOLDINGS, INC

FOURGEN HOLDINGS, INC HEALTH AND WELFARE PLAN

$170K

$10K

STANDARD INSURANCE COMPANY

NUTRIVO, LLC

NUTRIVO, LLC HEALTH & WELFARE PLAN

$125K

$9K

STANDARD INSURANCE COMPANY