Welfare broker

T ALLEN HOWDESHELL

Mailing address (most recent filing)

PO BOX 207

CAMDEN, ME 04843

Carrier mix

Where T ALLEN HOWDESHELL places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HARVARD PILGRIM HEALTH CARE	2	$4.7M	40.0%
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$333K	20.0%
STARMOUNT LIFE INSURANCE COMPANY	1	$454K	20.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$2.1M	20.0%

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
ME	5	$7.7M	1.3%	296.27x

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 T ALLEN HOWDESHELL's plans by broker comp / premium ratio. Median 5.85% vs welfare-wide median 6.29% (n=5).

Prospect-flag exposure · vs market baseline

Share of T ALLEN HOWDESHELL's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-5 of 5 sponsors where T ALLEN HOWDESHELL is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
MATHEWS BROTHERS COMPANY MATHEWS BROTHERS COMPANY HEALTH AND WELFARE BENEFIT PLAN	ME	$2.1M	$125K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
KENNEBEC SAVINGS BANK KENNEBEC SAVINGS BANK BENEFIT PLAN	ME	$3.2M	$80K	HPHC INSURANCE COMPANY
DOWN EAST COMMUNITY HOSPITAL DOWN EAST COMMUNITY HOSPITAL EMPLOYEE BENEFIT PLAN	ME	$454K	$54K	STARMOUNT LIFE INSURANCE COMPANY
UNITY ENVIRONMENTAL UNIVERSITY UNITY ENVIRONMENTAL UNIVERSITY WELFARE BENEFIT PLAN	ME	$1.5M	$37K	HARVARD PILGRIM HEALTH CARE
VIKING, INC. VIKING, INC.	ME	$333K	$26K	UNUM LIFE INSURANCE COMPANY OF AMERICA