Welfare broker

JOSEPH JAMES ASSOCIATES

Mailing address (most recent filing)

2800 S RIVER ROAD, STE 430

DES PLAINES, IL 60018

Total comp: $80K
Commissions: $80K
Fees: $14
Filings: 2
Sponsors: 2

Carrier mix

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

UNUM LIFE INSURANCE COMPANY OF AMERICA50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$357K	50.0%
BLUE CROSS OF CALIFORNIA	1	$1.5M	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
IL	2	$1.8M	0.0%	28.47x

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 JAMES ASSOCIATES's plans by broker comp / premium ratio. Median 6.03% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where JOSEPH JAMES ASSOCIATES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
PEWAG, INC. PEWAG, INC. HEALTH AND WELFARE PLAN	IL	$1.5M	$63K	BLUE CROSS BLUE SHIELD OF ILLINOIS
COSMETIC CAR COMPANY, LLC COSMETIC CAR COMPANY, LLC WELFARE BENEFIT PLAN	IL	$357K	$28K	UNUM LIFE INSURANCE COMPANY OF AMERICA

Carrier

Plans

Premium

UNUM LIFE INSURANCE COMPANY OF AMERICA

$357K

50.0%

BLUE CROSS OF CALIFORNIA

$1.5M

50.0%

State

Plans

Premium

State share

Index

$1.8M

0.0%

28.47x

Sponsor

Loc

Premium

Comp

Carrier

PEWAG, INC.

PEWAG, INC. HEALTH AND WELFARE PLAN

$1.5M

$63K

BLUE CROSS BLUE SHIELD OF ILLINOIS

COSMETIC CAR COMPANY, LLC

COSMETIC CAR COMPANY, LLC WELFARE BENEFIT PLAN

$357K

$28K

UNUM LIFE INSURANCE COMPANY OF AMERICA