Welfare broker

JOHN SCOTT NICOLAS

Mailing address (most recent filing)

6 PARK LANE

MARBLEHEAD, MA 01945

Total comp: $255K
Commissions: $255K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

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

HARTFORD LIFE AND ACCIDENT50.0%
EMBLEMHEALTH50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HARTFORD LIFE AND ACCIDENT	1	$4.9M	50.0%
EMBLEMHEALTH	1	$190.5M	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
NY	1	$190.5M	0.0%	9.91x
NH	1	$4.9M	0.2%	141.25x

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 SCOTT NICOLAS's plans by broker comp / premium ratio. Median 2.16% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
NORTHERN NEW ENGLAND BENEFIT TRUST DBA ALLEGIANT CARE NORTHERN NEW ENGLAND BENEFIT TRUST DBA ALLEGIANT CARE	NH	$4.9M	$209K	HARTFORD LIFE AND ACCIDENT
BOARD OF TRUSTEES OF 1199SEIU NBF HEALTH AND HUMAN SERVICE EMPLOYEES 1199SEIU NATIONAL BENEFIT FUND FOR HEALTH & HUMAN SERVICE EMPLOYEES	NY	$190.5M	$93K	EMBLEM HEALTH

Carrier

Plans

Premium

HARTFORD LIFE AND ACCIDENT

$4.9M

50.0%

EMBLEMHEALTH

$190.5M

50.0%

State

Plans

Premium

State share

Index

$190.5M

0.0%

9.91x

$4.9M

0.2%

141.25x

Sponsor

Loc

Premium

Comp

Carrier

NORTHERN NEW ENGLAND BENEFIT TRUST DBA ALLEGIANT CARE

$4.9M

$209K

HARTFORD LIFE AND ACCIDENT

BOARD OF TRUSTEES OF 1199SEIU NBF HEALTH AND HUMAN SERVICE EMPLOYEES

1199SEIU NATIONAL BENEFIT FUND FOR HEALTH & HUMAN SERVICE EMPLOYEES

$190.5M

$93K

EMBLEM HEALTH