Welfare broker

JOSEPH NOVELLO

Mailing address (most recent filing)

12060 STONE POINT CT

LOVELAND, OH 45140

Total comp: $53K
Commissions: $53K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

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

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$278K	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
OR	1	$278K	0.1%	104.57x

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 JOSEPH NOVELLO's plans by broker comp / premium ratio. Median 15.65% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where JOSEPH NOVELLO is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
FALL CREEK FARM AND NURSERY, INC. FALL CREEK FARM AND NURSERY WELFARE BENEFIT PLAN	OR	$278K	$43K	GUARDIAN LIFE INSURANCE COMPANY