Welfare broker

JOHN H SIMMONDS

Mailing address (most recent filing)

3 BETHESDA METRO CENTER, SUITE 700

BETHESDA, MD 20814

Total comp: $118K
Commissions: $109K
Fees: $9K
Filings: 7
Sponsors: 7

Carrier mix

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

UNUM LIFE INSURANCE COMPANY OF AMERICA50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$672K	50.0%
BLUE CROSS OF CALIFORNIA	1	$856K	50.0%

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
MD	1	$856K	0.1%	35.95x
IL	1	$672K	0.0%	14.24x

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 H SIMMONDS's plans by broker comp / premium ratio. Median 6.82% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where JOHN H SIMMONDS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
HILL MANAGEMENT SERVICES, INC. HILL MANAGEMENT SERVICES, INC. WELFARE BENEFIT PLAN	MD	$856K	$62K	CAREFIRST ADMINISTRAORS
ONE HOPE UNITED ONE HOPE UNITED EMPLOYEE BENEFITS PLAN	IL	$672K	$43K	UNUM LIFE INSURANCE COMPANY OF AMERICA

Carrier

Plans

Premium

UNUM LIFE INSURANCE COMPANY OF AMERICA

$672K

50.0%

BLUE CROSS OF CALIFORNIA

$856K

50.0%

State

Plans

Premium

State share

Index

$856K

0.1%

35.95x

$672K

0.0%

14.24x

Sponsor

Loc

Premium

Comp

Carrier

HILL MANAGEMENT SERVICES, INC.

HILL MANAGEMENT SERVICES, INC. WELFARE BENEFIT PLAN

$856K

$62K

CAREFIRST ADMINISTRAORS

ONE HOPE UNITED

ONE HOPE UNITED EMPLOYEE BENEFITS PLAN

$672K

$43K

UNUM LIFE INSURANCE COMPANY OF AMERICA