Welfare broker

LACOUR, WILLIAM DOUGLAS

Mailing address (most recent filing)

3889 N SIDNEY ST

BUCKEYE, AZ 85396

Total comp: $4K
Commissions: $2K
Fees: $2K
Filings: 1
Sponsors: 1

Carrier mix

Where LACOUR, WILLIAM DOUGLAS places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

KAISER FOUNDATION HEALTH PLAN INC100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
KAISER FOUNDATION HEALTH PLAN INC	1	$3.2M	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
OR	1	$3.2M	0.1%	104.78x

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 LACOUR, WILLIAM DOUGLAS's plans by broker comp / premium ratio. Median 0.17% vs welfare-wide median 6.31% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where LACOUR, WILLIAM DOUGLAS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
BOARD OF TRUSTEES, ROOFERS LOCAL 49 WELFARE FUND ROOFERS LOCAL 49 WELFARE FUND	OR	$3.2M	$5K	KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST