Welfare broker

PATRICK MORAN

Mailing address (most recent filing)

448 MURRAY HILL CIRCLE

LANCASTER, PA 17601

Total comp: $50K
Commissions: $50K
Fees: $0
Filings: 6
Sponsors: 6

Carrier mix

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

BLUE CROSS OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	2	$1.7M	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
PA	2	$1.7M	0.0%	24.10x

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 PATRICK MORAN's plans by broker comp / premium ratio. Median 5.88% vs welfare-wide median 6.31% (n=2).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
LANCASTER BIBLE COLLEGE LANCASTER BIBLE COLLEGE WELFARE BENEFIT PLAN	PA	$182K	$21K	HIGHMARK, INC.
HENDRIX-ISA LLC HENDRIX-ISA LLC HEALTH AND WELFARE PLAN	PA	$1.5M	$755	HIGHMARK, INC.