Welfare broker

JOANN G. CIAVARELLA

Mailing address (most recent filing)

229 WALNUT LEVEL RD

NEW CUMBERLAND, PA 17070

Total comp: $9K
Commissions: $9K
Fees: $492
Filings: 2
Sponsors: 2

Carrier mix

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

EVEREST REINSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
EVEREST REINSURANCE COMPANY	1	$865K	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
PA	1	$865K	0.0%	23.98x

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 JOANN G. CIAVARELLA's plans by broker comp / premium ratio. Median 4.81% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where JOANN G. CIAVARELLA is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
HOMELAND HOMELAND WELFARE PLAN	PA	$865K	$42K	EVEREST REINSURANCE COMPANY