Welfare broker

HOWARD B LABOW

Mailing address (most recent filing)

666 DUNDEE ROAD, SUITE 1603

NORTHBROOK, IL 60062

Total comp: $281K
Commissions: $281K
Fees: $0
Filings: 18
Sponsors: 18

Carrier mix

Where HOWARD B LABOW places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITEDHEALTHCARE INSURANCE COMPANY33.3%
HUMANA INSURANCE COMPANY33.3%
AMERICAN HERITAGE LIFE INSURANCE COMPANY33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$247K	33.3%
HUMANA INSURANCE COMPANY	1	$1.2M	33.3%
AMERICAN HERITAGE LIFE INSURANCE COMPANY	1	$627K	33.3%

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
MN	1	$627K	0.0%	16.72x
IL	1	$1.2M	0.0%	9.49x
IA	1	$247K	0.1%	35.08x

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 HOWARD B LABOW's plans by broker comp / premium ratio. Median 22.01% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

Share of HOWARD B LABOW's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-3 of 3 sponsors where HOWARD B LABOW is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
GUARDIAN HOSPICE MN, LLC MOMENTS HOSPICE EMPLOYEE BENEFIT PLAN	MN	$627K	$138K	AMERICAN HERITAGE LIFE INSURANCE COMPANY
GARDANT MANAGEMENT SOLUTIONS INC GARDANT MANAGEMENT SOLUTIONS	IL	$1.2M	$79K	HUMANA INSURANCE COMPANY
AZRIA HEALTH AZRIA HEALTH	IA	$247K	$56K	UNITEDHEALTHCARE INSURANCE COMPANY

Carrier

Plans

Premium

UNITEDHEALTHCARE INSURANCE COMPANY

$247K

33.3%

HUMANA INSURANCE COMPANY

$1.2M

33.3%

AMERICAN HERITAGE LIFE INSURANCE COMPANY

$627K

33.3%

State

Plans

Premium

State share

Index

$627K

0.0%

16.72x

$1.2M

0.0%

9.49x

$247K

0.1%

35.08x

Sponsor

Loc

Premium

Comp

Carrier

GUARDIAN HOSPICE MN, LLC

MOMENTS HOSPICE EMPLOYEE BENEFIT PLAN

$627K

$138K

AMERICAN HERITAGE LIFE INSURANCE COMPANY

GARDANT MANAGEMENT SOLUTIONS INC

GARDANT MANAGEMENT SOLUTIONS

$1.2M

$79K

HUMANA INSURANCE COMPANY

AZRIA HEALTH

$247K

$56K

UNITEDHEALTHCARE INSURANCE COMPANY