Welfare broker

J GARD BENEFIT CONSULTANTS LLC

Mailing address (most recent filing)

UNKNOWN

SCOTTSDALE, AZ 85254

Total comp: $110K
Commissions: $97K
Fees: $13K
Filings: 4
Sponsors: 4

Carrier mix

Where J GARD BENEFIT CONSULTANTS LLC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

KAISER FOUNDATION HEALTH PLAN INC50.0%
BLUE CARE NETWORK OF MICHIGAN50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
KAISER FOUNDATION HEALTH PLAN INC	1	$747K	50.0%
BLUE CARE NETWORK OF MICHIGAN	1	$1.5M	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
MI	1	$1.5M	0.0%	20.58x
CA	1	$747K	0.0%	6.38x

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 J GARD BENEFIT CONSULTANTS LLC's plans by broker comp / premium ratio. Median 7.04% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where J GARD BENEFIT CONSULTANTS LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ADVISACARE HEALTHCARE SOLUTIONS INC. ADVISACARE HEALTHCARE SOLUTIONS INC. WELFARE BENEFITS PLAN	MI	$1.5M	$80K	BLUE CARE NETWORK OF MICHIGAN
R & B WHOLESALE DISTRIBUTORS INC R & B WHOLESALE DISTRIBUTORS INC WELFARE BENEFITS PLAN	CA	$747K	$64K	KAISER FOUNDATION HEALTH PLAN INC

Carrier

Plans

Premium

KAISER FOUNDATION HEALTH PLAN INC

$747K

50.0%

BLUE CARE NETWORK OF MICHIGAN

$1.5M

50.0%

State

Plans

Premium

State share

Index

$1.5M

0.0%

20.58x

$747K

0.0%

6.38x

Sponsor

Loc

Premium

Comp

Carrier

ADVISACARE HEALTHCARE SOLUTIONS INC.

ADVISACARE HEALTHCARE SOLUTIONS INC. WELFARE BENEFITS PLAN

$1.5M

$80K

BLUE CARE NETWORK OF MICHIGAN

R & B WHOLESALE DISTRIBUTORS INC

R & B WHOLESALE DISTRIBUTORS INC WELFARE BENEFITS PLAN

$747K

$64K

KAISER FOUNDATION HEALTH PLAN INC