Welfare broker

JOY HEATHER OLIVIER

Mailing address (most recent filing)

2222 2ND ST STE 5

LIVERMORE, CA 94550

Total comp: $10K
Commissions: $10K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

PRINCIPAL LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PRINCIPAL LIFE INSURANCE COMPANY	1	$98K	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
CA	1	$98K	0.0%	12.75x

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 HEATHER OLIVIER's plans by broker comp / premium ratio. Median 16.05% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
ARCHON BUSINESS GROUP, LLC ARCHON BUSINESS GROUP	CA	$98K	$16K	PRINCIPAL LIFE INSURANCE COMPANY