Welfare broker

JOEL KORAL

Mailing address (most recent filing)

110 SUMMIT AVENUE

MONTVALE, NJ 07645

Total comp: $487
Commissions: $487
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

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

NORTHWESTERN MUTUAL100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
NORTHWESTERN MUTUAL	1	$0	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
NY	1	$0	0.0%	19.82x

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 KORAL's plans by broker comp / premium ratio. Median n/a vs welfare-wide median 6.29% (n=0).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
STUART A FEINTUCH STUART A FEINTUCH RETIREMENT PLAN	NY	$0	$0	NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY