Welfare broker

MOUNTCASTLE INSURANCE

Mailing address (most recent filing)

307 W CENTER ST

LEXINGTON, NC 27292

Total comp: $234K
Commissions: $233K
Fees: $290
Filings: 5
Sponsors: 5

Carrier mix

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

CIGNA HEALTH AND LIFE INSURANCE COMPANY50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$653K	50.0%
BLUE CROSS OF CALIFORNIA	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	1	$653K	0.0%	22.94x
NC	1	$1.2M	0.0%	23.86x

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 MOUNTCASTLE INSURANCE's plans by broker comp / premium ratio. Median 9.57% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
TEN OAKS, LLC TEN OAKS LLC	VA	$653K	$87K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
G & W EQUIPMENT, INC G&W EQUIPMENT, INC. EMPLOYEE BENEFIT PLAN	NC	$1.2M	$68K	BLUE CROSS BLUE SHIELD OF NORTH CAROLINA

Carrier

Plans

Premium

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$653K

50.0%

BLUE CROSS OF CALIFORNIA

$1.2M

50.0%

State

Plans

Premium

State share

Index

$653K

0.0%

22.94x

$1.2M

0.0%

23.86x

Sponsor

Loc

Premium

Comp

Carrier

TEN OAKS, LLC

TEN OAKS LLC

$653K

$87K

CIGNA HEALTH AND LIFE INSURANCE COMPANY

G & W EQUIPMENT, INC

G&W EQUIPMENT, INC. EMPLOYEE BENEFIT PLAN

$1.2M

$68K

BLUE CROSS BLUE SHIELD OF NORTH CAROLINA