Welfare broker

HOWARD S COHEN

Mailing address (most recent filing)

5512 WESTGROVE DR

DALLAS, TX 75248

Total comp: $89K
Commissions: $87K
Fees: $1K
Filings: 1
Sponsors: 1

Carrier mix

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

UNUM LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$734K	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	$734K	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 S COHEN's plans by broker comp / premium ratio. Median 12.11% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
DALLAS BASKETBALL, LTD. DALLAS BASKETBALL, LTD. WRAP WELFARE BENEFITS PLAN	TX	$734K	$89K	UNUM LIFE INSURANCE COMPANY OF AMERICA