Welfare broker

M & O

Carrier mix

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

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITED CONCORDIA INSURANCE COMPANY	1	$61K	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
PA	1	$61K	0.0%	24.13x

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 M & O's plans by broker comp / premium ratio. Median 10.49% vs welfare-wide median 6.35% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where M & O is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ELITE THERAPY SOLUTIONS, LLC ELITE THERAPY SOLUTIONS, LLC DENTAL BENEFIT PLAN	PA	$61K	$6K	UNITED CONCORDIA INSURANCE COMPANY