Welfare broker

DAVID M JOYE

Mailing address (most recent filing)

646 MATTHEWS MINT HILL ROAD

SUITE B

PLAINVIEW, NY 11803

Total comp: $134K
Commissions: $57K
Fees: $77K
Filings: 2
Sponsors: 2

Carrier mix

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

CIGNA HEALTH AND LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$2.9M	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
NY	1	$2.9M	0.0%	19.82x

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 DAVID M JOYE's plans by broker comp / premium ratio. Median 3.88% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
HTX SERVICE, INC. HTX SERVICES, INC. HEALTH & WELFARE PLANS	NY	$2.9M	$111K	CIGNA HEALTH AND LIFE INSURANCE COMPANY