Welfare broker

JOHN WILLIAM RITCHIE

Mailing address (most recent filing)

18522 EAST PERSIMMON LANE

OWASSO, OK 74055

Total comp: $180K
Commissions: $78K
Fees: $102K
Filings: 19
Sponsors: 19

Carrier mix

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

PRINCIPAL LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PRINCIPAL LIFE INSURANCE COMPANY	1	$141K	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
TX	1	$141K	0.0%	16.72x

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 WILLIAM RITCHIE's plans by broker comp / premium ratio. Median 11.14% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
ELEMENTS INTERNATIONAL GROUP, LLC ELEMENTS INTERNATIONAL GROUP, LLC LIFE AND DISABILITY PLAN	TX	$141K	$16K	PRINCIPAL LIFE INSURANCE COMPANY