Revenue is highly concentrated among a few of eHealth's insurance carriers. If eHealth loses a couple of these larger carriers, it could suffer a loss in consumer confidence.Health insurance is a highly regulated industry, and eHealth must contend with state-specific regulatory changes.State
MMC has developed into one of the largest risk management firms in the world.
Aon's global footprint looks valuable amid a developing recovery in international trade.
Several external factors have weighed especially heavily on Brown & Brown in recent years.
CNinsure's goals include developing the largest insurance intermediary in China.
Willis faces increased competition from larger competitors , sparked in part by its own recent successes . Any reversion to the capital market crisis conditions of 2007 - 2009 could test Willis's relatively high leverage again . Willis offers clients a global perspective on individual risk , and
MMC has developed one of the largest and best-respected risk management services firms in the world.
Brown's growth-via-acquisitions approach faces bigger challenges in the years ahead.Brown's growth has flagged relative to other competitors in recent years, even with the relative advantage it enjoys by being allowed to continue to accept contingent commissions.Brown has been the most profitable
Gallagher's margins and free cash flow have been improving in a tough market.
Shareholders have endured the cost of the company's regulatory problems, and litigation relating to those matters continues.MMC's revenue and margins have been sensitive to insurance premium rates and market conditions.Insurance broker subsidiary Marsh has been gaining new business.MMC's new