Welfare broker

JOSEPH R HOVANEC

Mailing address (most recent filing)

707 SKOKIE BLVD

SUITE 600

NORTHBROOK, IL 60062

Total comp: $114K
Commissions: $114K
Fees: $0
Filings: 5
Sponsors: 5

Carrier mix

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

UNITED OF OMAHA LIFE INSURANCE COMPANY75.0%
BLUE CROSS OF CALIFORNIA25.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITED OF OMAHA LIFE INSURANCE COMPANY	3	$81K	75.0%
BLUE CROSS OF CALIFORNIA	1	$4.7M	25.0%

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	4	$4.8M	0.1%	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 R HOVANEC's plans by broker comp / premium ratio. Median 10.43% vs welfare-wide median 6.29% (n=4).

Prospect-flag exposure · vs market baseline

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

1-4 of 4 sponsors where JOSEPH R HOVANEC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
FRANCIS W PARKER SCHOOL FRANCIS W PARKER SCHOOL HEALTH INSURANCE PLAN	IL	$4.7M	$146K	BLUE CROSS BLUE SHIELD A DIVISION OF HEALTH CARE SERVICES INCORPORATED
FRANCIS W PARKER SCHOOL FRANCIS W PARKER SCHOOL SUPPLEMENTAL LIFE AND AD&D PLAN	IL	$31K	$5K	UNITED OF OMAHA LIFE INSURANCE COMPANY
FRANCIS W PARKER SCHOOL FRANCIS W PARKER SCHOOL LONG TERM DISABILITY PLAN	IL	$34K	$4K	UNITED OF OMAHA LIFE INSURANCE COMPANY
FRANCIS W PARKER SCHOOL FRANCIS W PARKER SCHOOL LIFE AND AD&D PLAN	IL	$15K	$2K	UNITED OF OMAHA LIFE INSURANCE COMPANY

Carrier

Plans

Premium

UNITED OF OMAHA LIFE INSURANCE COMPANY

$81K

75.0%

BLUE CROSS OF CALIFORNIA

$4.7M

25.0%

State

Plans

Premium

State share

Index

$4.8M

0.1%

28.47x

Sponsor

Loc

Premium

Comp

Carrier

FRANCIS W PARKER SCHOOL

FRANCIS W PARKER SCHOOL HEALTH INSURANCE PLAN

$4.7M

$146K

BLUE CROSS BLUE SHIELD A DIVISION OF HEALTH CARE SERVICES INCORPORATED

FRANCIS W PARKER SCHOOL

FRANCIS W PARKER SCHOOL SUPPLEMENTAL LIFE AND AD&D PLAN

$31K

$5K

UNITED OF OMAHA LIFE INSURANCE COMPANY

FRANCIS W PARKER SCHOOL

FRANCIS W PARKER SCHOOL LONG TERM DISABILITY PLAN

$34K

$4K

UNITED OF OMAHA LIFE INSURANCE COMPANY

FRANCIS W PARKER SCHOOL

FRANCIS W PARKER SCHOOL LIFE AND AD&D PLAN

$15K

$2K

UNITED OF OMAHA LIFE INSURANCE COMPANY