Welfare broker

JOSEPH E HENEHAN FIN & INS SVCS INC

Mailing address (most recent filing)

685 CARNEGIE DRIVE

SUITE 205

SAN BERNARDINO, CA 92408

Total comp: $488K
Commissions: $437K
Fees: $51K
Filings: 6
Sponsors: 6

Carrier mix

Where JOSEPH E HENEHAN FIN & INS SVCS INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

BLUE CROSS OF CALIFORNIA33.3%
ANTHEM LIFE INSURANCE COMPANY33.3%
AETNA LIFE INSURANCE COMPANY33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	1	$1.9M	33.3%
ANTHEM LIFE INSURANCE COMPANY	1	$5.7M	33.3%
AETNA LIFE INSURANCE COMPANY	1	$1.1M	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
CA	3	$8.7M	0.0%	12.75x

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 E HENEHAN FIN & INS SVCS INC's plans by broker comp / premium ratio. Median 5.17% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

Share of JOSEPH E HENEHAN FIN & INS SVCS INC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-3 of 3 sponsors where JOSEPH E HENEHAN FIN & INS SVCS INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
OPEN HEALTH TRUST OPEN HEALTH TRUST	CA	$5.7M	$293K	ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY
MOUNTAIN VIEW CHILD CARE INC. MOUNTAIN VIEW CHILD CARE INC. EMPLOYEE BENEFITS PLAN	CA	$1.9M	$107K	BLUE CROSS OF CALIFORNIA
MAG INSTRUMENT, INC. MAG INSTRUMENT, INC. EMPLOYEE BENEFITS PLAN	CA	$1.1M	$1K	AETNA HEALTH, INC

Carrier

Plans

Premium

BLUE CROSS OF CALIFORNIA

$1.9M

33.3%

ANTHEM LIFE INSURANCE COMPANY

$5.7M

33.3%

AETNA LIFE INSURANCE COMPANY

$1.1M

33.3%

State

Plans

Premium

State share

Index

$8.7M

0.0%

12.75x

Sponsor

Loc

Premium

Comp

Carrier

OPEN HEALTH TRUST

$5.7M

$293K

ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY

MOUNTAIN VIEW CHILD CARE INC.

MOUNTAIN VIEW CHILD CARE INC. EMPLOYEE BENEFITS PLAN

$1.9M

$107K

BLUE CROSS OF CALIFORNIA

MAG INSTRUMENT, INC.

MAG INSTRUMENT, INC. EMPLOYEE BENEFITS PLAN

$1.1M

$1K

AETNA HEALTH, INC