Welfare broker

JEFFREY D HARNED

Mailing address (most recent filing)

13117 EASTPOINT PARK BLVD

LOUISVILLE, KY 40223

Total comp: $120K
Commissions: $81K
Fees: $39K
Filings: 72
Sponsors: 72

Carrier mix

Where JEFFREY D HARNED 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	$233K	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
KY	1	$233K	0.0%	19.22x

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 JEFFREY D HARNED's plans by broker comp / premium ratio. Median 24.41% vs welfare-wide median 6.35% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where JEFFREY D HARNED is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
AUDUBON AREA COMMUNITY SERVICES, INC. AUDUBON AREA COMMUNITY SERVICES, INC. EMPLOYEE BENEFITS PLAN	KY	$233K	$57K	COLONIAL LIFE & ACCIDENT INSURANCE COMPANY