Welfare broker

MCCULLUGH, CHRISTINE M

Mailing address (most recent filing)

14715 NE 95TH ST

STE 200

REDMOND, WA 98052

Total comp: $354K
Commissions: $354K
Fees: $0
Filings: 12
Sponsors: 12

Carrier mix

Where MCCULLUGH, CHRISTINE M places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

METROPOLITAN LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
METROPOLITAN LIFE INSURANCE COMPANY	1	$2.3M	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	$2.3M	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 MCCULLUGH, CHRISTINE M's plans by broker comp / premium ratio. Median 1.30% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where MCCULLUGH, CHRISTINE M is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ELECTRIC RELIABILITY COUNCIL OF TEXAS, INC. ELECTRIC RELIABILITY COUNCIL OF TEXAS, INC. WELFARE BENEFITS PLAN	TX	$2.3M	$29K	METROPOLITAN LIFE INSURANCE COMPANY