Welfare broker

JM INSURANCE SERVICES

Mailing address (most recent filing)

PO BOX 191702

SAN JUAN, PR 00919

Total comp: $1.1M
Commissions: $1.0M
Fees: $108K
Filings: 1
Sponsors: 1

Carrier mix

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

MAPFRE LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
MAPFRE LIFE INSURANCE COMPANY	1	$2.3M	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
PR	1	$2.3M	0.2%	223.06x

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 JM INSURANCE SERVICES's plans by broker comp / premium ratio. Median 144.08% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where JM INSURANCE SERVICES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
PR SHIPPING ASSOCIATION PLAN BIENESTAR UTM PRSSA	PR	$2.3M	$3.3M	MAPFRE