Welfare broker

STEPHEN MCCAIN

Mailing address (most recent filing)

5250 CORPORATE DRIVE, SUITE 200

TROY, MI 48098

Total comp: $164K
Commissions: $164K
Fees: $0
Filings: 5
Sponsors: 5

Carrier mix

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

PRIORITY HEALTH50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PRIORITY HEALTH	1	$3.6M	50.0%
BLUE CROSS OF CALIFORNIA	1	$2.6M	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	$6.2M	0.1%	41.41x

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 STEPHEN MCCAIN's plans by broker comp / premium ratio. Median 4.32% vs welfare-wide median 6.31% (n=2).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
BB&E, INC. BB&E, INC. HEALTH & WELFARE BENEFIT PLAN	MI	$2.6M	$168K	BLUE CROSS BLUE SHIELD OF MICHIGAN
QUALITY METALCRAFT, INC. QUALITY METALCRAFT, INC. WELFARE BENEFIT PLAN	MI	$3.6M	$77K	PRIORITY HEALTH