Welfare broker

JOSHUA P SAUNDERS

Mailing address (most recent filing)

17 OAK LANE

RANDOLPH, NJ 07869

Total comp: $9K
Commissions: $9K
Fees: $441
Filings: 8
Sponsors: 8

Carrier mix

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

DELTA DENTAL OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
DELTA DENTAL OF CALIFORNIA	1	$650K	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
NJ	1	$650K	0.0%	46.37x

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 JOSHUA P SAUNDERS's plans by broker comp / premium ratio. Median 0.95% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where JOSHUA P SAUNDERS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
PHOTONICS MANAGEMENT CORP PHOTONICS MANAGEMENT CORP WELFARE BENEFIT PLAN	NJ	$650K	$6K	DELTA DENTAL OF NEW JERSEY, INC.