Welfare broker

TAMMY A MORGART

Mailing address (most recent filing)

13347 DEAN DRIVE

N. HUNTINGDON, PA 15642

Total comp: $52K
Commissions: $52K
Fees: $283
Filings: 27
Sponsors: 27

Carrier mix

Where TAMMY A MORGART 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	$4.3M	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	$4.3M	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 TAMMY A MORGART's plans by broker comp / premium ratio. Median 0.45% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where TAMMY A MORGART is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
BOARD OF TRUSTEES OPCMIA LOCAL 526 WELFARE FUND OPCMIA LOCAL 526 WELFARE FUND	PA	$4.3M	$19K	HIGHMARK INC.