Welfare broker

NANCY LAPHAM

Mailing address (most recent filing)

223 BROOK ST

OAKDALE, NY 11769

Total comp: $136K
Commissions: $134K
Fees: $2K
Filings: 45
Sponsors: 45

Carrier mix

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

UNITEDHEALTHCARE INSURANCE COMPANY50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$858K	50.0%
BLUE CROSS OF CALIFORNIA	1	$690K	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
NV	1	$858K	0.2%	113.06x
NC	1	$690K	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 NANCY LAPHAM's plans by broker comp / premium ratio. Median 6.17% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
DISCOVERY PLACE, INC. DISCOVERY PLACE, INC. HEALTH & WELFARE BENEFIT PLAN	NC	$690K	$50K	BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA
KP OASIS KP OASIS EMPLOYEE BENEFITS PLAN	NV	$858K	$44K	HEALTH PLAN OF NEVADA

Carrier

Plans

Premium

UNITEDHEALTHCARE INSURANCE COMPANY

$858K

50.0%

BLUE CROSS OF CALIFORNIA

$690K

50.0%

State

Plans

Premium

State share

Index

$858K

0.2%

113.06x

$690K

0.0%

23.86x

Sponsor

Loc

Premium

Comp

Carrier

DISCOVERY PLACE, INC.

DISCOVERY PLACE, INC. HEALTH & WELFARE BENEFIT PLAN

$690K

$50K

BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA

KP OASIS

KP OASIS EMPLOYEE BENEFITS PLAN

$858K

$44K

HEALTH PLAN OF NEVADA