Welfare broker

JOHN JAMES BENEFITS LTD

Mailing address (most recent filing)

100 OTTAWA AVENUE SW

GRAND RAPIDS, MI 49503

Total comp: $173K
Commissions: $143K
Fees: $30K
Filings: 6
Sponsors: 6

Carrier mix

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

NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK66.7%
LIFE INSURANCE COMPANY OF NORTH AMERICA33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK	2	$178K	66.7%
LIFE INSURANCE COMPANY OF NORTH AMERICA	1	$189K	33.3%

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
NJ	3	$367K	0.1%	46.37x

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 JAMES BENEFITS LTD's plans by broker comp / premium ratio. Median 22.38% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where JOHN JAMES BENEFITS LTD is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
POLISH AND SLAVIC FEDERAL CREDIT UNION POLISH AND SLAVIC FEDERAL CREDIT UNION LIFE	NJ	$122K	$43K	NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK
POLISH AND SLAVIC FEDERAL CREDIT UNION SHORT TERM DISABILITY PLAN	NJ	$189K	$21K	LIFE INSURANCE COMPANY OF NORTH AMERICA
POLISH AND SLAVIC FEDERAL CREDIT UNION POLISH AND SLAVIC FEDERAL CREDIT UNION BENEFIT PLAN	NJ	$56K	$13K	NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK

Carrier

Plans

Premium

NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK

$178K

66.7%

LIFE INSURANCE COMPANY OF NORTH AMERICA

$189K

33.3%

State

Plans

Premium

State share

Index

$367K

0.1%

46.37x

Sponsor

Loc

Premium

Comp

Carrier

POLISH AND SLAVIC FEDERAL CREDIT UNION

POLISH AND SLAVIC FEDERAL CREDIT UNION LIFE

$122K

$43K

NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK

POLISH AND SLAVIC FEDERAL CREDIT UNION

SHORT TERM DISABILITY PLAN

$189K

$21K

LIFE INSURANCE COMPANY OF NORTH AMERICA

POLISH AND SLAVIC FEDERAL CREDIT UNION

POLISH AND SLAVIC FEDERAL CREDIT UNION BENEFIT PLAN

$56K

$13K

NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK