Welfare broker

STEFAN JAMES CARPENTIERI

Mailing address (most recent filing)

4948 BIMINI RD.

JUPITER, FL 33469

Total comp: $4K
Commissions: $4K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

Where STEFAN JAMES CARPENTIERI 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	$38K	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
FL	1	$38K	0.0%	25.39x

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 STEFAN JAMES CARPENTIERI's plans by broker comp / premium ratio. Median 15.46% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of STEFAN JAMES CARPENTIERI's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where STEFAN JAMES CARPENTIERI is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
IMAGE SKINCARE INTERNATIONAL MANUFACTURING, LLC IMAGE SKINCARE INTERNATIONAL MANUFACTURING, LLC DISABILITY PLAN	FL	$38K	$6K	PRINCIPAL LIFE INSURANCE COMPANY