Welfare broker

VALERIE MCCOY

Mailing address (most recent filing)

148 S RIVER AVENUE STE 300

HOLLAND, MI 49423

Total comp: $112K
Commissions: $112K
Fees: $0
Filings: 4
Sponsors: 4

Carrier mix

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

BLUE CROSS OF CALIFORNIA66.7%
BLUE CARE NETWORK OF MICHIGAN33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	2	$4.3M	66.7%
BLUE CARE NETWORK OF MICHIGAN	1	$1.1M	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
MI	3	$5.5M	0.1%	41.16x

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 VALERIE MCCOY's plans by broker comp / premium ratio. Median 3.47% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
STENGER & STENGER, P.C. STENGER & STENGER, P.C. EMPLOYEE BENEFIT PLAN	MI	$1.1M	$47K	BLUE CARE NETWORK OF MICHIGAN
MEIJER, INC. MEIJER EXECUTIVE HEALTH PLAN	MI	$3.2M	$46K	BLUE CROSS BLUE SHIELD OF MICHIGAN
MUSKEGON CAR CREDIT, INC MUSKEGON CAR CREDIT, INC. WELFARE BENEFIT PLAN	MI	$1.2M	$40K	BLUE CROSS BLUE SHIELD OF MICHIGAN

Carrier

Plans

Premium

BLUE CROSS OF CALIFORNIA

$4.3M

66.7%

BLUE CARE NETWORK OF MICHIGAN

$1.1M

33.3%

State

Plans

Premium

State share

Index

$5.5M

0.1%

41.16x

Sponsor

Loc

Premium

Comp

Carrier

STENGER & STENGER, P.C.

STENGER & STENGER, P.C. EMPLOYEE BENEFIT PLAN

$1.1M

$47K

BLUE CARE NETWORK OF MICHIGAN

MEIJER, INC.

MEIJER EXECUTIVE HEALTH PLAN

$3.2M

$46K

BLUE CROSS BLUE SHIELD OF MICHIGAN

MUSKEGON CAR CREDIT, INC

MUSKEGON CAR CREDIT, INC. WELFARE BENEFIT PLAN

$1.2M

$40K

BLUE CROSS BLUE SHIELD OF MICHIGAN