Welfare broker

JOSEPH HARTEN

Mailing address (most recent filing)

4565 PAYSPHERE CIRCLE

CHICAGO, IL 60674

Total comp: $150K
Commissions: $150K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

BLUE CROSS OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	1	$5.7M	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
NC	1	$5.7M	0.0%	47.73x

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 HARTEN's plans by broker comp / premium ratio. Median 2.94% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
ENVIRONMENTAL SCIENCE U.S. LLC ENVIRONMENTAL SCIENCE U.S. LLC WELFARE BENEFITS PLAN	NC	$5.7M	$168K	BLUE CROSS BLUE SHIELD OF NORTH CAROLINA