Welfare broker

JAY E. BLACK

Mailing address (most recent filing)

1400 MIDHURST CT

BEL AIR, MD 21014

Total comp: $53K
Commissions: $53K
Fees: $0
Filings: 15
Sponsors: 15

Carrier mix

Where JAY E. BLACK 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	$173K	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
MD	1	$173K	0.1%	72.23x

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 JAY E. BLACK's plans by broker comp / premium ratio. Median 30.93% vs welfare-wide median 6.35% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where JAY E. BLACK is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
BAY COMMUNITY SUPPORT SERVICES INC BAY COMMUNITY SUPPORT SERVICES INC EMPLOYEE BENEFITS PLAN	MD	$173K	$53K	UNUM LIFE INSURANCE COMPANY OF AMERICA