Welfare broker

TIMOTHY F CUMMINGS

Mailing address (most recent filing)

6 PPG PLACE STE 600

PITTSBURGH, PA 15222

Total comp: $1K
Commissions: $1K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

Where TIMOTHY F CUMMINGS 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	$274K	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
OH	1	$274K	0.0%	7.72x

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 TIMOTHY F CUMMINGS's plans by broker comp / premium ratio. Median 0.42% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where TIMOTHY F CUMMINGS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
BUILDING TRADES WELFARE FUND FOR THE OHIO VALLEY BUILDING TRADES WELFARE FUND FOR THE OHIO VALLEY	OH	$274K	$1K	HIGHMARK LIFE INSURANCE COMPANY