Welfare broker

JOHN CHRISTOPHER PRATHER

Mailing address (most recent filing)

618 OAKLEAF OFFICE LN STE 300

MEMPHIS, TN 381174820

Total comp: $30K
Commissions: $30K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

Where JOHN CHRISTOPHER PRATHER 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	$556K	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
MN	1	$556K	0.0%	50.15x

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 JOHN CHRISTOPHER PRATHER's plans by broker comp / premium ratio. Median 5.34% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where JOHN CHRISTOPHER PRATHER is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
SOUTHERN ROOFING AND RESTORATION, LLC SOUTHERN ROOFING AND RESTORATION MEDICAL PLAN	MN	$556K	$30K	BLUECROSS BLUESHIELD OF TENNESSEE