Welfare broker

HOWARD LABOW

Mailing address (most recent filing)

1866 SHERIDAN RD #302

HIGHLAND PARK, IL 60035

Total comp: $92K
Commissions: $92K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

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

BLUE CROSS OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	1	$1.4M	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
IL	1	$1.4M	0.0%	28.47x

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 LABOW's plans by broker comp / premium ratio. Median 4.51% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
AMERICAN STANDARD CIRCUITS, LLC AMERICAN STANDARD CIRCUITS, LLC WRAP PLAN	IL	$1.4M	$64K	BLUECROSS BLUESHIELD OF ILLINOIS