Welfare broker

JOHN ERNST

Mailing address (most recent filing)

126 NORTH 30TH STREET, SUITE 103

QUINCY, IL 62301

Total comp: $12K
Commissions: $12K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

STANDARD INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
STANDARD INSURANCE COMPANY	1	$177K	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	$177K	0.0%	28.47x

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 ERNST's plans by broker comp / premium ratio. Median 6.67% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
FIRST BANKERS TRUSTSHARES INC. FIRST BANKERS TRUST BENEFLEX PLAN	IL	$177K	$12K	STANDARD INSURANCE COMPANY