Welfare broker

JAMES HARKINS

Mailing address (most recent filing)

17 SYLVESTER STREET

CRANFORD, NJ 07016

Total comp: $23K
Commissions: $23K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

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

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY	1	$40K	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
NJ	1	$40K	0.0%	46.37x

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 JAMES HARKINS's plans by broker comp / premium ratio. Median 17.20% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where JAMES HARKINS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CHALLENGE PRINTING CO., INC. CHALLENGE PRINTING CO., INC. GROUP HEALTH PLAN	NJ	$40K	$7K	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY