Welfare broker

PAUL M. JOANOU

Mailing address (most recent filing)

1144 MARKET ST. #515

WHEELING, WV 26003

Total comp: $19K
Commissions: $19K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

Where PAUL M. JOANOU places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

STANDARD INSURANCE COMPANY50.0%
BOSTON MUTUAL LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
STANDARD INSURANCE COMPANY	1	$203K	50.0%
BOSTON MUTUAL LIFE INSURANCE COMPANY	1	$125K	50.0%

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
PA	2	$327K	0.0%	23.98x

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 PAUL M. JOANOU's plans by broker comp / premium ratio. Median 5.26% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where PAUL M. JOANOU is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
AFSCME HEALTH AND WELFARE FUND AFSCME HEALTH AND WELFARE FUND	PA	$203K	$16K	STANDARD INSURANCE COMPANY
EMPLOYER-TEAMSTERS LOCAL 205 WELFARE FUND EMPLOYER-TEAMSTERS LOCAL 205 WELFARE FUND	PA	$125K	$3K	BOSTON MUTUAL LIFE INSURANCE COMPANY

Carrier

Plans

Premium

STANDARD INSURANCE COMPANY

$203K

50.0%

BOSTON MUTUAL LIFE INSURANCE COMPANY

$125K

50.0%

State

Plans

Premium

State share

Index

$327K

0.0%

23.98x

Sponsor

Loc

Premium

Comp

Carrier

AFSCME HEALTH AND WELFARE FUND

$203K

$16K

STANDARD INSURANCE COMPANY

EMPLOYER-TEAMSTERS LOCAL 205 WELFARE FUND

$125K

$3K

BOSTON MUTUAL LIFE INSURANCE COMPANY