Welfare broker

LUKE FERGUSON

Mailing address (most recent filing)

PO BOX 11548

CHARLOTTE, NC 28220

Total comp: $23K
Commissions: $23K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

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

BLUE CROSS OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	1	$2.0M	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
NC	1	$2.0M	0.0%	47.31x

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 LUKE FERGUSON's plans by broker comp / premium ratio. Median 2.38% vs welfare-wide median 6.40% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where LUKE FERGUSON is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
NORTH CAROLINA NEPHROLOGY, P.A. NORTH CAROLINA NEPHROLOGY, P.A.	NC	$2.0M	$48K	BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA