Welfare broker

GARY W. HARDING

Mailing address (most recent filing)

2 CENTERPOINTE

SUITE 100

LAKE OSWEGO, OR 97035

Total comp: $4K
Commissions: $4K
Fees: $800
Filings: 2
Sponsors: 2

Carrier mix

Where GARY W. HARDING places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

NORTHWESTERN MUTUAL50.0%
LIFE INSURANCE COMPANY OF NORTH AMERICA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
NORTHWESTERN MUTUAL	1	$29K	50.0%
LIFE INSURANCE COMPANY OF NORTH AMERICA	1	$71K	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
WA	1	$71K	0.1%	30.86x
MN	1	$29K	0.0%	25.07x

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 GARY W. HARDING's plans by broker comp / premium ratio. Median 7.03% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of GARY W. HARDING's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where GARY W. HARDING is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
TUMAC LUMBER COMPANY, INC. TUMAC WELFARE BENEFITS PLAN	WA	$71K	$8K	LIFE INSURANCE COMPANY OF NORTH AMERICA
U.S. BANCORP WEST ONE BANCORP PREMIER LIFE INSURANCE PLAN	MN	$29K	$887	NORTHWESTERN MUTUAL

Carrier

Plans

Premium

NORTHWESTERN MUTUAL

$29K

50.0%

LIFE INSURANCE COMPANY OF NORTH AMERICA

$71K

50.0%

State

Plans

Premium

State share

Index

$71K

0.1%

30.86x

$29K

0.0%

25.07x

Sponsor

Loc

Premium

Comp

Carrier

TUMAC LUMBER COMPANY, INC.

TUMAC WELFARE BENEFITS PLAN

$71K

$8K

LIFE INSURANCE COMPANY OF NORTH AMERICA

U.S. BANCORP

WEST ONE BANCORP PREMIER LIFE INSURANCE PLAN

$29K

$887

NORTHWESTERN MUTUAL