Welfare broker

MALONEY & WARD INSURANCE

Mailing address (most recent filing)

202 W EVANS ST

CULPEPER, VA 22701

Total comp: $47K
Commissions: $8K
Fees: $39K
Filings: 4
Sponsors: 4

Carrier mix

Where MALONEY & WARD INSURANCE places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

INNOVATION HEALTH50.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
INNOVATION HEALTH	1	$744K	50.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$1.2M	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
VA	2	$2.0M	0.1%	45.89x

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 MALONEY & WARD INSURANCE's plans by broker comp / premium ratio. Median 1.92% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of MALONEY & WARD INSURANCE's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where MALONEY & WARD INSURANCE is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
MCCLAIN & CO. INC. AUTUMN LANE INVESTMENT HEALTH AND DENTAL PLAN	VA	$1.2M	$42K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
APPLETON CAMPBELL, INC. APPLETON CAMPBELL INC.	VA	$744K	$4K	INNOVATION HEALTH

Carrier

Plans

Premium

INNOVATION HEALTH

$744K

50.0%

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$1.2M

50.0%

State

Plans

Premium

State share

Index

$2.0M

0.1%

45.89x

Sponsor

Loc

Premium

Comp

Carrier

MCCLAIN & CO. INC.

AUTUMN LANE INVESTMENT HEALTH AND DENTAL PLAN

$1.2M

$42K

CIGNA HEALTH AND LIFE INSURANCE COMPANY

APPLETON CAMPBELL, INC.

APPLETON CAMPBELL INC.

$744K

$4K

INNOVATION HEALTH