Welfare broker

RICHARD E. BYRD

Mailing address (most recent filing)

3662 DUPHIN STREET

SUITE 1A

MOBILE, AL 36608

Total comp: $23K
Commissions: $23K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

Where RICHARD E. BYRD 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	$2.4M	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
AL	1	$2.4M	0.1%	107.78x

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 E. BYRD's plans by broker comp / premium ratio. Median 2.50% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where RICHARD E. BYRD is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ALABAMA SHIPYARD LLC ALABAMA SHIPYARD LLC EMPLOYEE BENEFITS PLAN	AL	$2.4M	$59K	BLUECROSS AND BLUESHIELD OF ALABAMA