Welfare broker

MCCARTY INSURANCE INC

Mailing address (most recent filing)

PO BOX 450

PERRY HALL, MD 21128

Total comp: $493K
Commissions: $196K
Fees: $297K
Filings: 8
Sponsors: 8

Carrier mix

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

UNITEDHEALTHCARE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	3	$7.4M	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	$1.7M	0.0%	5.57x
NY	1	$2.4M	0.0%	6.61x
MD	1	$3.2M	0.1%	23.97x

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 MCCARTY INSURANCE INC's plans by broker comp / premium ratio. Median 7.30% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where MCCARTY INSURANCE INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
INDEX ANALYTICS LLC INDEX ANALYTICS LLC EMPLOYEE BENEFITS PLAN	MD	$3.2M	$233K	UNITEDHEALTHCARE INSURANCE COMPANY
FAIRWIND, INC. FAIRWIND, INC. HEALTH PLAN	TX	$1.7M	$173K	UNITEDHEALTHCARE INSURANCE COMPANY
OPEN TOP SIGHTSEEING DBA BIG BUS TOURS OPEN TOP SIGHTSEEING DBA BIG BUS TOURS WELFARE BENEFIT PLAN	NY	$2.4M	$149K	UNITEDHEALTHCARE INSURANCE COMPANY

Carrier

Plans

Premium

UNITEDHEALTHCARE INSURANCE COMPANY

$7.4M

100.0%

State

Plans

Premium

State share

Index

$1.7M

0.0%

5.57x

$2.4M

0.0%

6.61x

$3.2M

0.1%

23.97x

Sponsor

Loc

Premium

Comp

Carrier

INDEX ANALYTICS LLC

INDEX ANALYTICS LLC EMPLOYEE BENEFITS PLAN

$3.2M

$233K

UNITEDHEALTHCARE INSURANCE COMPANY

FAIRWIND, INC.

FAIRWIND, INC. HEALTH PLAN

$1.7M

$173K

UNITEDHEALTHCARE INSURANCE COMPANY

OPEN TOP SIGHTSEEING DBA BIG BUS TOURS

OPEN TOP SIGHTSEEING DBA BIG BUS TOURS WELFARE BENEFIT PLAN

$2.4M

$149K

UNITEDHEALTHCARE INSURANCE COMPANY