Welfare broker

JOHN RAY RICHARDSON

Mailing address (most recent filing)

3438 PEACHTREE ROAD NE, SUITE 1200

PHIPPS TOWER

ATLANTA, GA 30326

Total comp: $3K
Commissions: $2K
Fees: $855
Filings: 2
Sponsors: 2

Carrier mix

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

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY	1	$0	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
GA	1	$0	0.0%	15.18x

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 RAY RICHARDSON's plans by broker comp / premium ratio. Median n/a vs welfare-wide median 6.29% (n=0).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
KING & SPALDING LLP KING & SPALDING LLP PROFIT SHARING - 401(K) PLAN	GA	$0	$0	MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY