Welfare broker

STEVEN L HARWELL

Mailing address (most recent filing)

107 KILSON DR

STE 201

MOORESVILLE, NC 28117

Total comp: $250K
Commissions: $199K
Fees: $51K
Filings: 4
Sponsors: 4

Carrier mix

Where STEVEN L HARWELL places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITEDHEALTHCARE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$1.1M	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
NC	1	$1.1M	0.0%	47.73x

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 STEVEN L HARWELL's plans by broker comp / premium ratio. Median 5.83% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of STEVEN L HARWELL's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where STEVEN L HARWELL is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CARPENTER INDUSTRIES INC. CARPENTER INDUSTRIES, INC. HEALTH & WELFARE BENEFITS PLAN	NC	$1.1M	$67K	UNITEDHEALTHCARE INSURANCE COMPANY