Welfare broker

MURPHY AND ASSOCIATES, LLC

Mailing address (most recent filing)

PO BOX 441

DES MOINES, IA 50302

Total comp: $76K
Commissions: $76K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

Where MURPHY AND ASSOCIATES, LLC 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	1	$1.8M	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
CA	1	$1.8M	0.0%	12.75x

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 MURPHY AND ASSOCIATES, LLC's plans by broker comp / premium ratio. Median 6.49% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of MURPHY AND ASSOCIATES, LLC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where MURPHY AND ASSOCIATES, LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
BIZLINK TECHNOLOGY, INC. BIZLINK TECHNOLOGY, INC. WELFARE BENEFIT PLAN	CA	$1.8M	$116K	UNITEDHEALTHCARE INSURANCE COMPANY