Welfare broker

THOMAS CHAD RICHARDS

Mailing address (most recent filing)

3928 EAST SUNNYSIDE DRIVE

PHOENIX, AZ 85028

Total comp: $18K
Commissions: $18K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

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

PRINCIPAL LIFE INSURANCE COMPANY50.0%
UNITED OF OMAHA LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PRINCIPAL LIFE INSURANCE COMPANY	1	$106K	50.0%
UNITED OF OMAHA LIFE INSURANCE COMPANY	1	$112K	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
AZ	2	$218K	0.1%	85.29x

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 THOMAS CHAD RICHARDS's plans by broker comp / premium ratio. Median 9.21% vs welfare-wide median 6.40% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where THOMAS CHAD RICHARDS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
EFFICIENCY HEATING AND COOLING, LLC EFFICIENCY HEATING AND COOLING, LLC BENEFITS PLAN	AZ	$112K	$12K	UNITED OF OMAHA LIFE INSURANCE COMPANY
CHS3, LLC BASIC LIFE AND AD&D	AZ	$106K	$8K	PRINCIPAL LIFE INSURANCE COMPANY

Carrier

Plans

Premium

PRINCIPAL LIFE INSURANCE COMPANY

$106K

50.0%

UNITED OF OMAHA LIFE INSURANCE COMPANY

$112K

50.0%

State

Plans

Premium

State share

Index

$218K

0.1%

85.29x

Sponsor

Loc

Premium

Comp

Carrier

EFFICIENCY HEATING AND COOLING, LLC

EFFICIENCY HEATING AND COOLING, LLC BENEFITS PLAN

$112K

$12K

UNITED OF OMAHA LIFE INSURANCE COMPANY

CHS3, LLC

BASIC LIFE AND AD&D

$106K

$8K

PRINCIPAL LIFE INSURANCE COMPANY