Welfare broker

SJH AGENCY INC

Mailing address (most recent filing)

9B THE PINES COURT

ST LOUIS, MO 63141

Total comp: $80K
Commissions: $49K
Fees: $31K
Filings: 4
Sponsors: 4

Carrier mix

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

UNITED HEALTHCARE INSURANCE COMPANY50.0%
HARTFORD LIFE AND ACCIDENT50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITED HEALTHCARE INSURANCE COMPANY	1	$1.1M	50.0%
HARTFORD LIFE AND ACCIDENT	1	$51K	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
MO	2	$1.1M	0.0%	17.86x

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 SJH AGENCY INC's plans by broker comp / premium ratio. Median 7.98% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
PETERSON ENTERPRISES INC PETERSON ENTERPRISES INC HEALTH INSURANCE PLAN	MO	$1.1M	$34K	UNITED HEALTHCARE INSURANCE COMPANY
PETERSON ENTERPRISES INC PETERSON ENTERPRISES INC LIFE AD&D & LTD PLAN	MO	$51K	$7K	HARTFORD LIFE AND ACCIDENT

Carrier

Plans

Premium

UNITED HEALTHCARE INSURANCE COMPANY

$1.1M

50.0%

HARTFORD LIFE AND ACCIDENT

$51K

50.0%

State

Plans

Premium

State share

Index

$1.1M

0.0%

17.86x

Sponsor

Loc

Premium

Comp

Carrier

PETERSON ENTERPRISES INC

PETERSON ENTERPRISES INC HEALTH INSURANCE PLAN

$1.1M

$34K

UNITED HEALTHCARE INSURANCE COMPANY

PETERSON ENTERPRISES INC

PETERSON ENTERPRISES INC LIFE AD&D & LTD PLAN

$51K

$7K

HARTFORD LIFE AND ACCIDENT