Welfare broker

HOWARD HANGER

Mailing address (most recent filing)

14683 MIDWAY ROAD, SUITE 255

ADDISON, TX 75001

Total comp: $30K
Commissions: $30K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

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

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$659K	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
TX	1	$659K	0.0%	16.72x

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 HOWARD HANGER's plans by broker comp / premium ratio. Median 6.34% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where HOWARD HANGER is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ALTAIR GLOBAL SERVICES, LLC ALTAIR GLOBAL SERVICES, LLC GROUP BENEFITS PLAN	TX	$659K	$42K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA