Welfare broker

MICHAEL K OBRIEN

Mailing address (most recent filing)

4763 HIGBEE AVE NW

CANTON, OH 44718

Total comp: $31K
Commissions: $31K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

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

AULTCARE INSURANCE COMPANY66.7%
AMERICAN UNITED LIFE INSURANCE COMPANY33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
AULTCARE INSURANCE COMPANY	2	$1.6M	66.7%
AMERICAN UNITED LIFE INSURANCE COMPANY	1	$56K	33.3%

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
OH	3	$1.7M	0.0%	7.72x

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 MICHAEL K OBRIEN's plans by broker comp / premium ratio. Median 10.00% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where MICHAEL K OBRIEN is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
OTC SERVICES, INC. OTC SERVICES, INC. MEDICAL	OH	$1.5M	$19K	AULTCARE INSURANCE COMPANY
OTC SERVICES, INC. OTC SERVICES, INC. DENTAL	OH	$64K	$6K	AULTCARE INSURANCE COMPANY
OTC SERVICES, INC. OTC SERVICES, INC. LIFE INSURANCE	OH	$56K	$6K	AMERICAN UNITED LIFE INSURANCE COMPANY

Carrier

Plans

Premium

AULTCARE INSURANCE COMPANY

$1.6M

66.7%

AMERICAN UNITED LIFE INSURANCE COMPANY

$56K

33.3%

State

Plans

Premium

State share

Index

$1.7M

0.0%

7.72x

Sponsor

Loc

Premium

Comp

Carrier

OTC SERVICES, INC.

OTC SERVICES, INC. MEDICAL

$1.5M

$19K

AULTCARE INSURANCE COMPANY

OTC SERVICES, INC.

OTC SERVICES, INC. DENTAL

$64K

$6K

AULTCARE INSURANCE COMPANY

OTC SERVICES, INC.

OTC SERVICES, INC. LIFE INSURANCE

$56K

$6K

AMERICAN UNITED LIFE INSURANCE COMPANY