Welfare broker

JUSTIN W SPEWOCK

Mailing address (most recent filing)

2600 S. TELEGRAPH RD S-100

BLOOMFIELD HILLS, MI 48302

Total comp: $203K
Commissions: $126K
Fees: $77K
Filings: 2
Sponsors: 2

Carrier mix

Where JUSTIN W SPEWOCK 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	2	$1.8M	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
MI	2	$1.8M	0.1%	41.16x

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 JUSTIN W SPEWOCK's plans by broker comp / premium ratio. Median 32.18% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where JUSTIN W SPEWOCK is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
OLIVET COLLEGE OLIVET COLLEGE HEALTH PLAN	MI	$1.7M	$133K	BLUE CROSS AND BLUE SHIELD OF MICHIGAN
DOMESTIC LINEN SUPPLY & LAUNDRY CO DOMESTIC LINEN SUPPLY AND LAUNDRY COMPANY MEDICAL BENEFIT PLAN	MI	$153K	$86K	BLUE CROSS BLUE SHIELD OF MICHIGAN