Welfare broker

JOHN D. JOYCE

Mailing address (most recent filing)

4239 SOUTH HILL ROAD

KENBRIDGE, VA 23944

Total comp: $27K
Commissions: $27K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

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

KANSAS CITY LIFE INSURANCE COMPANY50.0%
ANTHEM LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
KANSAS CITY LIFE INSURANCE COMPANY	1	$62K	50.0%
ANTHEM LIFE INSURANCE COMPANY	1	$553K	50.0%

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
VA	1	$553K	0.0%	23.00x
MO	1	$62K	0.0%	9.08x

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 JOHN D. JOYCE's plans by broker comp / premium ratio. Median 9.18% vs welfare-wide median 6.35% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where JOHN D. JOYCE is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
VIRGINIA MARBLE MANUFACTURERS INC. VIRGINIA MARBLE MANUFACTURERS, INC. WELFARE BENEFIT PLAN	VA	$553K	$41K	HEALTHKEEPERS, INC.
AMERICAN BOILER SERVICES, INC. AMERICAN BOILER SERVICES, INC. PLAN	MO	$62K	$7K	KANSAS CITY LIFE INSURANCE COMPANY

Carrier

Plans

Premium

KANSAS CITY LIFE INSURANCE COMPANY

$62K

50.0%

ANTHEM LIFE INSURANCE COMPANY

$553K

50.0%

State

Plans

Premium

State share

Index

$553K

0.0%

23.00x

$62K

0.0%

9.08x

Sponsor

Loc

Premium

Comp

Carrier

VIRGINIA MARBLE MANUFACTURERS INC.

VIRGINIA MARBLE MANUFACTURERS, INC. WELFARE BENEFIT PLAN

$553K

$41K

HEALTHKEEPERS, INC.

AMERICAN BOILER SERVICES, INC.

AMERICAN BOILER SERVICES, INC. PLAN

$62K

$7K

KANSAS CITY LIFE INSURANCE COMPANY