Welfare broker

JOSEPH GARETT KELLER

Mailing address (most recent filing)

422 FREDERICA STREET

OWENSBORO, KY 42301

Total comp: $34K
Commissions: $32K
Fees: $1K
Filings: 12
Sponsors: 12

Carrier mix

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

ANTHEM LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
ANTHEM LIFE INSURANCE COMPANY	1	$234K	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
KY	1	$234K	0.0%	19.70x

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 GARETT KELLER's plans by broker comp / premium ratio. Median 12.10% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
VALOR LLC VALOR OIL LLC HEALTH AND WELFARE BENEFIT PLAN	KY	$234K	$28K	ANTHEM LIFE INSURANCE COMPANY