Welfare broker

JOANNE LANGLEY

Mailing address (most recent filing)

25920 IRIS AVE #13A-675

MORENO VALLEY, CA 92551

Total comp: $47K
Commissions: $47K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

Where JOANNE LANGLEY 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	$31K	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
CA	1	$31K	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 JOANNE LANGLEY's plans by broker comp / premium ratio. Median 20.02% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where JOANNE LANGLEY is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
SOUTHCOAST CABINET INC SOUTHCOAST CABINET INC GROUP LIFE INSURANCE PLAN	CA	$31K	$6K	UNUM LIFE INSURANCE COMPANY OF AMERICA