Welfare broker

JCWIB, INC.

Mailing address (most recent filing)

451 A STREET STE 1800

SAN DIEGO, CA 92101

Total comp: $172K
Commissions: $171K
Fees: $2K
Filings: 4
Sponsors: 4

Carrier mix

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

UNITEDHEALTHCARE INSURANCE COMPANY50.0%
KAISER FOUNDATION HEALTH PLAN INC50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$1.6M	50.0%
KAISER FOUNDATION HEALTH PLAN INC	1	$727K	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
CA	2	$2.4M	0.0%	12.75x

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 JCWIB, INC.'s plans by broker comp / premium ratio. Median 7.89% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where JCWIB, INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ELPX, LLC ELPX, LLC. HEALTH & WELFARE BENEFIT PLAN	CA	$1.6M	$87K	UNITEDHEALTHCARE INSURANCE COMPANY
PACIFIC RIM MECHANICAL CONTRACTORS, INC. PACIFIC RIM MECHANICAL HEALTH AND WELFARE PLAN	CA	$727K	$76K	KAISER FOUNDATION HEALTH PLAN, INC.

Carrier

Plans

Premium

UNITEDHEALTHCARE INSURANCE COMPANY

$1.6M

50.0%

KAISER FOUNDATION HEALTH PLAN INC

$727K

50.0%

State

Plans

Premium

State share

Index

$2.4M

0.0%

12.75x

Sponsor

Loc

Premium

Comp

Carrier

ELPX, LLC

ELPX, LLC. HEALTH & WELFARE BENEFIT PLAN

$1.6M

$87K

UNITEDHEALTHCARE INSURANCE COMPANY

PACIFIC RIM MECHANICAL CONTRACTORS, INC.

PACIFIC RIM MECHANICAL HEALTH AND WELFARE PLAN

$727K

$76K

KAISER FOUNDATION HEALTH PLAN, INC.