Welfare broker

JAMES P ROWLEY

Mailing address (most recent filing)

PO BOX 746

WASHINGTON CROSSING, PA 18977

Total comp: $21K
Commissions: $21K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

UNUM LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$206K	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	$206K	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 JAMES P ROWLEY's plans by broker comp / premium ratio. Median 15.25% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
LIFE EXTENSION INSTITUTE INC LIFE EXTENSION INSTITUTE INC HEALTH AND WELFARE BENEFIT PLAN	NY	$206K	$31K	UNUM LIFE INSURANCE COMPANY