Welfare broker

R TODD GRANDY

Mailing address (most recent filing)

307 INTERNATIONAL CIRCLE

SUITE 310

HUNT VALLEY, MD 21030

Total comp: $45K
Commissions: $33K
Fees: $13K
Filings: 4
Sponsors: 4

Carrier mix

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

NORTHWESTERN MUTUAL100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
NORTHWESTERN MUTUAL	1	$136K	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
MD	1	$136K	0.1%	71.65x

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 R TODD GRANDY's plans by broker comp / premium ratio. Median 10.85% vs welfare-wide median 6.40% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where R TODD GRANDY is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
COMMUNITY HERITAGE FINANCIAL, INC. COMMUNITY HERITAGE FINANCIAL, INC. LIFE AND DISABILITY PLAN	MD	$136K	$15K	NORTHWESTERN MUTAL