Welfare broker

RICHARD D LAVER

Mailing address (most recent filing)

906 SWEDESFORD RD

LOWER GWNEDD, PA 19002

Total comp: $21K
Commissions: $20K
Fees: $355
Filings: 2
Sponsors: 2

Carrier mix

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

AMERIHEALTH INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
AMERIHEALTH INSURANCE COMPANY	1	$1.5M	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
NJ	1	$1.5M	0.0%	46.37x

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 D LAVER's plans by broker comp / premium ratio. Median 1.57% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
COOPER LEVENSON FLEX BENEFIT COOPER LEVENSON PA FLEXIBLE BENEFITS PLAN	NJ	$1.5M	$24K	AMERIHEALTH INSURANCE COMPANY