Welfare broker

JONATHAN S SPETNER

Mailing address (most recent filing)

8360 BALSON AVENUE

SAINT LOUIS, MO 63132

Total comp: $2.0M
Commissions: $2.0M
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

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

UNUM LIFE INSURANCE COMPANY OF AMERICA50.0%
AFLAC50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$241K	50.0%
AFLAC	1	$9.7M	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
WV	1	$241K	0.2%	138.32x
OH	1	$9.7M	0.0%	3.95x

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 JONATHAN S SPETNER's plans by broker comp / premium ratio. Median 28.64% vs welfare-wide median 6.40% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where JONATHAN S SPETNER is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
HEALTH CARE FACILITIES STAFFING, LLC COMMUNICARE HEALTH SERVICES HEALTH AND WELFARE PLAN	OH	$9.7M	$2.4M	CONTINENTAL AMERICAN INSURANCE COMPANY
VILLAGE CAREGIVING, LLC VILLAGE CAREGIVING LLC HEALTH AND WELFARE PLAN	WV	$241K	$79K	UNUM INSURANCE COMPANY

Carrier

Plans

Premium

UNUM LIFE INSURANCE COMPANY OF AMERICA

$241K

50.0%

AFLAC

$9.7M

50.0%

State

Plans

Premium

State share

Index

$241K

0.2%

138.32x

$9.7M

0.0%

3.95x

Sponsor

Loc

Premium

Comp

Carrier

HEALTH CARE FACILITIES STAFFING, LLC

COMMUNICARE HEALTH SERVICES HEALTH AND WELFARE PLAN

$9.7M

$2.4M

CONTINENTAL AMERICAN INSURANCE COMPANY

VILLAGE CAREGIVING, LLC

VILLAGE CAREGIVING LLC HEALTH AND WELFARE PLAN

$241K

$79K

UNUM INSURANCE COMPANY