Welfare broker

JOHN E. ERNST

Mailing address (most recent filing)

126 N 30TH ST STE 103

QUINCY, IL 62301

Total comp: $15K
Commissions: $15K
Fees: $244
Filings: 4
Sponsors: 4

Carrier mix

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

HUMANA INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HUMANA INSURANCE COMPANY	1	$199K	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
IL	1	$199K	0.0%	28.49x

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 E. ERNST's plans by broker comp / premium ratio. Median 6.03% vs welfare-wide median 6.40% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where JOHN E. ERNST is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
FIRST BANKERS TRUSTSHARES, INC. FIRST BANKERS TRUST BENEFLEX PLAN	IL	$199K	$12K	HUMANA INSURANCE COMPANY