Welfare broker

JO ANN KIRKLAND

Mailing address (most recent filing)

436 SOWELL RD

DOTHAN, AL 36301

Total comp: $10K
Commissions: $10K
Fees: $214
Filings: 5
Sponsors: 5

Carrier mix

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

HCC LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HCC LIFE INSURANCE COMPANY	1	$329K	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
AL	1	$329K	0.1%	107.78x

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 JO ANN KIRKLAND's plans by broker comp / premium ratio. Median 4.23% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where JO ANN KIRKLAND is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
S B J S, P.C. SOUTHERN BONE & JOINT SPECIALISTS SOUTHERN BONE & JOINT SPECIALISTS EMPLOYEE BENEFIT PLAN	AL	$329K	$14K	TOKIO MARINE HHC