Welfare broker

HOWARD SHAFFER

Mailing address (most recent filing)

1200 SW 145TH AVENUE, SUITE 140A

PEMBROKE PINES, FL 33027

Total comp: $109K
Commissions: $109K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

Where HOWARD SHAFFER 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	$3.9M	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
NC	1	$3.9M	0.0%	47.73x

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 SHAFFER's plans by broker comp / premium ratio. Median 3.37% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
SONIC SYSTEMS INTERNATIONAL, LLC SONIC SYSTEMS INTERNATIONAL EMPLOYEE BENEFITS PLAN	NC	$3.9M	$132K	BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA