Welfare broker

HARBOUR POINTE AGENCY LLC

Mailing address (most recent filing)

1680 N STARBOARD AVE

PORT CLINTON, OH 43452

Total comp: $36K
Commissions: $36K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

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

NATIONWIDE LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
NATIONWIDE LIFE INSURANCE COMPANY	1	$1.5M	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
OH	1	$1.5M	0.0%	7.72x

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 HARBOUR POINTE AGENCY LLC's plans by broker comp / premium ratio. Median 2.16% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where HARBOUR POINTE AGENCY LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
THE MUSICAL ARTS ASSOCIATION THE MUSICAL ARTS ASSOCIATION BENEFIT PLAN	OH	$1.5M	$32K	NATIONWIDE LIFE INSURANCE COMPANY