Welfare broker

JOY HEILMAN

Mailing address (most recent filing)

194 FINLEY GOLF COURSE RD.

SUITE 200

CHAPEL HILL, NC 27517

Total comp: $108K
Commissions: $108K
Fees: $0
Filings: 4
Sponsors: 4

Carrier mix

Where JOY HEILMAN 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	$1.4M	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	$1.4M	0.0%	47.53x

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 JOY HEILMAN's plans by broker comp / premium ratio. Median 4.47% vs welfare-wide median 6.35% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where JOY HEILMAN is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
INSTITUTE FOR MEDICAL RESEARCH, INC. INSTITUTE FOR MEDICAL RESEARCH, INC. WELFARE BENEFITS PLAN	NC	$1.4M	$61K	BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA