Welfare broker

HEALTHJOY, LLC

Mailing address (most recent filing)

PO BOX 776932

CHICAGO, IL 60677

Total comp: $179K
Commissions: $13K
Fees: $166K
Filings: 7
Sponsors: 7

Carrier mix

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

UNITED OF OMAHA LIFE INSURANCE COMPANY50.0%
LIFE INSURANCE COMPANY OF NORTH AMERICA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITED OF OMAHA LIFE INSURANCE COMPANY	1	$1.2M	50.0%
LIFE INSURANCE COMPANY OF NORTH AMERICA	1	$254K	50.0%

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
TX	1	$254K	0.0%	8.36x
TN	1	$1.2M	0.1%	32.46x

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 HEALTHJOY, LLC's plans by broker comp / premium ratio. Median 16.99% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where HEALTHJOY, LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CITY ENTERPRISES, LLC CITY ENTERPRISES, LLC HEALTH AND WELFARE PLAN	TN	$1.2M	$124K	UNITED OF OMAHA LIFE INSURANCE COMPANY
MERCURY FINANCIAL, LLC MERCURY FINANCIAL, LLC HEALTH & WELFARE PLAN	TX	$254K	$60K	LIFE INSURANCE COMPANY OF NORTH AMERICA

Carrier

Plans

Premium

UNITED OF OMAHA LIFE INSURANCE COMPANY

$1.2M

50.0%

LIFE INSURANCE COMPANY OF NORTH AMERICA

$254K

50.0%

State

Plans

Premium

State share

Index

$254K

0.0%

8.36x

$1.2M

0.1%

32.46x

Sponsor

Loc

Premium

Comp

Carrier

CITY ENTERPRISES, LLC

CITY ENTERPRISES, LLC HEALTH AND WELFARE PLAN

$1.2M

$124K

UNITED OF OMAHA LIFE INSURANCE COMPANY

MERCURY FINANCIAL, LLC

MERCURY FINANCIAL, LLC HEALTH & WELFARE PLAN

$254K

$60K

LIFE INSURANCE COMPANY OF NORTH AMERICA