Welfare broker

RYAN DUCHARME

Mailing address (most recent filing)

UNKNOWN

ANN ARBOR, MI 48109

Total comp: $153K
Commissions: $153K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

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

BLUE CARE NETWORK OF MICHIGAN50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CARE NETWORK OF MICHIGAN	1	$703K	50.0%
BLUE CROSS OF CALIFORNIA	1	$5.0M	50.0%

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
MI	2	$5.7M	0.1%	41.16x

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 RYAN DUCHARME's plans by broker comp / premium ratio. Median 7.58% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where RYAN DUCHARME is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ESPERION THERAPEUTICS, INC. ESPERION THERAPEUTICS, INC. HEALTH AND WELFARE BENEFIT PLAN	MI	$5.0M	$221K	BLUE CROSS BLUE SHIELD OF MICHIGAN
RHETECH, LLC RHETECH, RHETECH COLORS HEALTH AND WELFARE PLANS	MI	$703K	$75K	BLUE CARE NETWORK OF MICHIGAN

Carrier

Plans

Premium

BLUE CARE NETWORK OF MICHIGAN

$703K

50.0%

BLUE CROSS OF CALIFORNIA

$5.0M

50.0%

State

Plans

Premium

State share

Index

$5.7M

0.1%

41.16x

Sponsor

Loc

Premium

Comp

Carrier

ESPERION THERAPEUTICS, INC.

ESPERION THERAPEUTICS, INC. HEALTH AND WELFARE BENEFIT PLAN

$5.0M

$221K

BLUE CROSS BLUE SHIELD OF MICHIGAN

RHETECH, LLC

RHETECH, RHETECH COLORS HEALTH AND WELFARE PLANS

$703K

$75K

BLUE CARE NETWORK OF MICHIGAN