Welfare broker

JOHN O'CONNOR

Mailing address (most recent filing)

1406 N MITCHELL ST

CADILLAC, MI 49601

Total comp: $95K
Commissions: $95K
Fees: $0
Filings: 6
Sponsors: 6

Carrier mix

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

BLUE CROSS OF CALIFORNIA66.7%
DELTA DENTAL OF CALIFORNIA33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	2	$2.6M	66.7%
DELTA DENTAL OF CALIFORNIA	1	$200K	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
MI	3	$2.8M	0.1%	41.16x

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 O'CONNOR's plans by broker comp / premium ratio. Median 3.80% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where JOHN O'CONNOR is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
WRIGHT PLASTIC PRODUCTS, LLC WRIGHT PLASTIC PRODUCTS COMPANY LLC PREMIUM CONVERSION PLAN	MI	$1.6M	$60K	BLUE CROSS BLUE SHIELD OF MICHIGAN
ANDREWS HOOPER PAVLIK PLC ANDREWS HOOPER PAVLIK PLC CAFETERIA PLAN	MI	$1.0M	$35K	BLUE CROSS BLUE SHIELD OF MICHIGAN
FABIANO BROTHERS, INC. FABIANO BROTHERS, INC. HEALTH AND WELFARE PLAN	MI	$200K	$11K	DELTA DENTAL OF MICHIGAN

Carrier

Plans

Premium

BLUE CROSS OF CALIFORNIA

$2.6M

66.7%

DELTA DENTAL OF CALIFORNIA

$200K

33.3%

State

Plans

Premium

State share

Index

$2.8M

0.1%

41.16x

Sponsor

Loc

Premium

Comp

Carrier

WRIGHT PLASTIC PRODUCTS, LLC

WRIGHT PLASTIC PRODUCTS COMPANY LLC PREMIUM CONVERSION PLAN

$1.6M

$60K

BLUE CROSS BLUE SHIELD OF MICHIGAN

ANDREWS HOOPER PAVLIK PLC

ANDREWS HOOPER PAVLIK PLC CAFETERIA PLAN

$1.0M

$35K

BLUE CROSS BLUE SHIELD OF MICHIGAN

FABIANO BROTHERS, INC.

FABIANO BROTHERS, INC. HEALTH AND WELFARE PLAN

$200K

$11K

DELTA DENTAL OF MICHIGAN