Welfare broker

HOWARD D GOLDMAN

Mailing address (most recent filing)

10045 RED RUN BLVD, STE 350

OWINGS MILLS, MD 21117

Total comp: $134K
Commissions: $110K
Fees: $23K
Filings: 5
Sponsors: 5

Carrier mix

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

NORTHWESTERN MUTUAL66.7%
METROPOLITAN LIFE INSURANCE COMPANY33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
NORTHWESTERN MUTUAL	2	$452K	66.7%
METROPOLITAN LIFE INSURANCE COMPANY	1	$228K	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
MD	3	$680K	0.2%	71.90x

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 D GOLDMAN's plans by broker comp / premium ratio. Median 13.81% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
MILES & STOCKBRIDGE P.C. MILES & STOCKBRIDGE LONG TERM DISABILITY PLAN	MD	$380K	$53K	THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY
MILES & STOCKBRIDGE P.C. MILES & STOCKBRIDGE GROUP LIFE PLAN	MD	$228K	$26K	METROPOLITAN LIFE INSURANCE COMPANY
MILES & STOCKBRIDGE P.C. MILES & STOCKBRIDGE SHORT-TERM DISABILITY PLAN	MD	$72K	$14K	NORTHWESTERN MUTUAL

Carrier

Plans

Premium

NORTHWESTERN MUTUAL

$452K

66.7%

METROPOLITAN LIFE INSURANCE COMPANY

$228K

33.3%

State

Plans

Premium

State share

Index

$680K

0.2%

71.90x

Sponsor

Loc

Premium

Comp

Carrier

MILES & STOCKBRIDGE P.C.

MILES & STOCKBRIDGE LONG TERM DISABILITY PLAN

$380K

$53K

THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY

MILES & STOCKBRIDGE P.C.

MILES & STOCKBRIDGE GROUP LIFE PLAN

$228K

$26K

METROPOLITAN LIFE INSURANCE COMPANY

MILES & STOCKBRIDGE P.C.

MILES & STOCKBRIDGE SHORT-TERM DISABILITY PLAN

$72K

$14K

NORTHWESTERN MUTUAL