Welfare broker

JOEL H OWENS

Mailing address (most recent filing)

PO BOX 5786

CORDELE, GA 31010

Total comp: $177K
Commissions: $26K
Fees: $151K
Filings: 3
Sponsors: 3

Carrier mix

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

UNITED HEALTHCARE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITED HEALTHCARE INSURANCE COMPANY	1	$2.7M	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
GA	1	$2.7M	0.0%	15.18x

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 JOEL H OWENS's plans by broker comp / premium ratio. Median 10.21% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where JOEL H OWENS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
AMERIPRO HEALTH LLC AMERIPRO HEALTH COMPANY BENEFITS	GA	$2.7M	$277K	UNITED HEALTHCARE INSURANCE COMPANY