Welfare broker

JOHN E O'REILLY

Mailing address (most recent filing)

5 CONCORD AVENUE

CAMBRIDGE, MA 02138

Total comp: $157K
Commissions: $48K
Fees: $109K
Filings: 2
Sponsors: 2

Carrier mix

Where JOHN E O'REILLY places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

CIGNA HEALTH AND LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$2.5M	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
MA	1	$2.5M	0.0%	46.22x

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 E O'REILLY's plans by broker comp / premium ratio. Median 8.18% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where JOHN E O'REILLY is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CHURCHILL FORGE INC THE CHURCHILL FORGE CAFETERIA PLAN	MA	$2.5M	$206K	CIGNA HEALTHCARE