Welfare broker

TERENCE BROPHY

Mailing address (most recent filing)

60 BERLIN ROAD

1ST FLOOR

CHERRY HILL, NJ 08034

Total comp: $76K
Commissions: $40K
Fees: $36K
Filings: 3
Sponsors: 3

Carrier mix

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

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY66.7%
BLUE CROSS OF CALIFORNIA33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY	2	$55K	66.7%
BLUE CROSS OF CALIFORNIA	1	$1.2M	33.3%

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
NC	3	$1.3M	0.1%	47.73x

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 TERENCE BROPHY's plans by broker comp / premium ratio. Median 6.73% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where TERENCE BROPHY is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
THE COUNTRY CLUB OF NORTH CAROLINA THE COUNTRY CLUB OF NORTH CAROLINA MEDICAL INSURANCE PLAN	NC	$1.2M	$72K	BLUE CROSS BLUE SHIELD OF NORTH CAROLINA
THE COUNTRY CLUB OF NORTH CAROLINA SHORT TERM DISABILITY PLAN THE COUNTRY CLUB OF NORTH CAROLINA SHORT TERM DISABILITY PLAN	NC	$40K	$3K	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY
THE COUNTRY CLUB OF NORTH CAROLINA INC. THE COUNTRY CLUB OF NORTH CAROLINA GROUP LIFE AND AD&D PLAN	NC	$15K	$2K	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY

Carrier

Plans

Premium

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY

$55K

66.7%

BLUE CROSS OF CALIFORNIA

$1.2M

33.3%

State

Plans

Premium

State share

Index

$1.3M

0.1%

47.73x

Sponsor

Loc

Premium

Comp

Carrier

THE COUNTRY CLUB OF NORTH CAROLINA

THE COUNTRY CLUB OF NORTH CAROLINA MEDICAL INSURANCE PLAN

$1.2M

$72K

BLUE CROSS BLUE SHIELD OF NORTH CAROLINA

THE COUNTRY CLUB OF NORTH CAROLINA SHORT TERM DISABILITY PLAN

$40K

$3K

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY

THE COUNTRY CLUB OF NORTH CAROLINA INC.

THE COUNTRY CLUB OF NORTH CAROLINA GROUP LIFE AND AD&D PLAN

$15K

$2K

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY