Welfare broker

RALPH GRAHAM

Mailing address (most recent filing)

1712 W MAIN ST

MARION, IL 62959

Total comp: $1K
Commissions: $1K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

HEALTH ALLIANCE MEDICAL PLANS100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HEALTH ALLIANCE MEDICAL PLANS	1	$415K	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
IL	1	$415K	0.0%	28.47x

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 RALPH GRAHAM's plans by broker comp / premium ratio. Median 0.28% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where RALPH GRAHAM is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CITY OF VANDALIA CITY OF VANDALIA HEALTH INSURANCE PLAN	IL	$415K	$1K	HEALTH ALLIANCE MEDICAL PLANS