Welfare broker

MORGAN HIRSCHENBERGER

Mailing address (most recent filing)

MARSH AND MCLENNA AGCY COMPANIES LL

2925 PALMER STREET

MISSOULA, MT 59808

Total comp: $55K
Commissions: $55K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

PACIFICSOURCE HEALTH PLANS100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PACIFICSOURCE HEALTH PLANS	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
MT	1	$2.0M	0.4%	434.38x

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 MORGAN HIRSCHENBERGER's plans by broker comp / premium ratio. Median 3.82% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where MORGAN HIRSCHENBERGER is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
PLAINS HOSPITAL CORPORATION DBA CLARK FORK VALLEY HOSPITAL PLAINS HOSPITAL CORPORATION DBA CLARK FORK VALLEY HOSPITAL EMPLOYEE BENEFITS PLAN	MT	$2.0M	$76K	PACIFICSOURCE HEALTH PLANS