Welfare broker

KELLY W PUGH

Mailing address (most recent filing)

7367 S 286TH EAST AVE

BROKEN ARROW, OK 74014

Total comp: $112K
Commissions: $33K
Fees: $79K
Filings: 27
Sponsors: 27

Carrier mix

Where KELLY W PUGH places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITED HEALTHCARE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITED HEALTHCARE INSURANCE COMPANY	3	$1.9M	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
OK	3	$1.9M	0.3%	123.05x

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 KELLY W PUGH's plans by broker comp / premium ratio. Median 14.85% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

Share of KELLY W PUGH's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-3 of 3 sponsors where KELLY W PUGH is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
INDEPENDENT OPPORTUNITIES, INC. INDEPENDENT OPPORTUNITIES, INC. GROUP HEALTH PLAN	OK	$1.8M	$76K	UNITED HEALTHCARE INSURANCE COMPANY
INDEPENDENT OPPORTUNITIES, INC. INDEPENDENT OPPORTUNITIES, INC. GROUP DENTAL PLAN	OK	$8K	$8K	UNITED HEALTHCARE INSURANCE COMPANY
INDEPENDENT OPPORTUNITIES, INC. INDEPENDENT OPPORTUNITIES, INC. GROUP LIFE AND AD&D INSURANCE PLAN	OK	$28K	$4K	UNITED HEALTHCARE INSURANCE COMPANY

Carrier

Plans

Premium

UNITED HEALTHCARE INSURANCE COMPANY

$1.9M

100.0%

State

Plans

Premium

State share

Index

$1.9M

0.3%

123.05x

Sponsor

Loc

Premium

Comp

Carrier

INDEPENDENT OPPORTUNITIES, INC.

INDEPENDENT OPPORTUNITIES, INC. GROUP HEALTH PLAN

$1.8M

$76K

UNITED HEALTHCARE INSURANCE COMPANY

INDEPENDENT OPPORTUNITIES, INC.

INDEPENDENT OPPORTUNITIES, INC. GROUP DENTAL PLAN

$8K

UNITED HEALTHCARE INSURANCE COMPANY

INDEPENDENT OPPORTUNITIES, INC.

INDEPENDENT OPPORTUNITIES, INC. GROUP LIFE AND AD&D INSURANCE PLAN

$28K

$4K

UNITED HEALTHCARE INSURANCE COMPANY