Welfare broker

JANICE MCGOWAN

Mailing address (most recent filing)

P.O. BOX 126

MARBLE HILL, GA 30148

Total comp: $41K
Commissions: $8K
Fees: $32K
Filings: 1
Sponsors: 1

Carrier mix

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

CIGNA HEALTH AND LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$2.4M	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
GA	1	$2.4M	0.0%	15.18x

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 JANICE MCGOWAN's plans by broker comp / premium ratio. Median 4.19% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where JANICE MCGOWAN is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
BUSINESS SOFTWARE, INC. BUSINESS SOFTWARE, INC.	GA	$2.4M	$101K	CIGNA HEALTH AND LIFE INSURANCE COMPANY