Welfare broker

JAMES MCDONALD

Mailing address (most recent filing)

4726 CLIFF DRIVE

RAPID CITY, SD 57702

Total comp: $39K
Commissions: $39K
Fees: $0
Filings: 5
Sponsors: 5

Carrier mix

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

BLUE CROSS OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	1	$2.3M	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
SD	1	$2.3M	0.3%	362.21x

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 MCDONALD's plans by broker comp / premium ratio. Median 0.70% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
LYNN'S INC C/O ROD MESSMER LYNNS INC PARTIAL SELF-FUNDED HEALTH PLAN	SD	$2.3M	$16K	WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA-LYNN'S INC