Welfare broker

JOANNE FORBES

Mailing address (most recent filing)

4819 EMPEROR BOULEVARD, SUITE 200

DURHAM, NC 27703

Total comp: $237K
Commissions: $237K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

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

BLUE CROSS OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	2	$9.4M	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
NC	2	$9.4M	0.1%	47.73x

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 JOANNE FORBES's plans by broker comp / premium ratio. Median 3.85% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where JOANNE FORBES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
MARKEN LLP MARKEN LLP HEALTH AND WELFARE BENEFIT PLAN	NC	$8.4M	$350K	BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA
RISE AGAINST HUNGER RISE AGAINST HUNGER HEALTH AND WELFARE BENEFITS PLAN	NC	$1.0M	$36K	BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA