Welfare broker

HOWARD T GALE & ASSOCIATES

Mailing address (most recent filing)

PO BOX 2335

MESA, AZ 85214

Total comp: $7K
Commissions: $7K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

METROPOLITAN LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
METROPOLITAN LIFE INSURANCE COMPANY	1	$278K	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
AZ	1	$278K	0.1%	85.91x

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 T GALE & ASSOCIATES's plans by broker comp / premium ratio. Median 4.77% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of HOWARD T GALE & ASSOCIATES's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where HOWARD T GALE & ASSOCIATES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CRAFCO, INC. CRAFCO, INC. LIFE AND DISABILITY PLAN	AZ	$278K	$13K	METROPOLITAN LIFE INSURANCE COMPANY