Welfare broker

RICHARD G MCGOWAN

Mailing address (most recent filing)

2670 UNION AVE EXT

STE 200

MEMPHIS, TN 38112

Total comp: $79K
Commissions: $78K
Fees: $299
Filings: 22
Sponsors: 22

Carrier mix

Where RICHARD G MCGOWAN 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	1	$1.4M	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	1	$1.4M	0.0%	23.98x

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 RICHARD G MCGOWAN's plans by broker comp / premium ratio. Median 3.58% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where RICHARD G MCGOWAN is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
HARDINGER TRANSFER COMPANY INC HARDINGER TRANSFER COMPANY INC EMPLOYEE BENEFITS PLAN	PA	$1.4M	$51K	HIGHMARK INC.