Welfare broker

JS BENEFITS INC

Mailing address (most recent filing)

2200 LAKESHORE DR.

STE 215

BIRMINGHAM, AL 35209

Total comp: $677K
Commissions: $589K
Fees: $88K
Filings: 7
Sponsors: 7

Carrier mix

Where JS BENEFITS INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNUM LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	2	$9.4M	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
GA	2	$9.4M	0.0%	15.18x

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 JS BENEFITS INC's plans by broker comp / premium ratio. Median 6.59% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where JS BENEFITS INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
KING & SPALDING LLP KING & SPALDING LLP GROUP LIFE & HEALTH PLAN	GA	$6.6M	$331K	UNUM LIFE INSURANCE COMPANY OF AMERICA
KING & SPALDING LLP KING & SPALDING LONG TERM DISABILITY PLAN	GA	$2.8M	$228K	UNUM LIFE INSURANCE COMPANY OF AMERICA