Welfare broker

HOWARTH III, FREDERICK W

Mailing address (most recent filing)

6077 BRISTOL PARKWAY

CULVER CITY, CA 90230

Total comp: $589K
Commissions: $533K
Fees: $56K
Filings: 10
Sponsors: 10

Carrier mix

Where HOWARTH III, FREDERICK W places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNUM LIFE INSURANCE COMPANY OF AMERICA66.7%
METROPOLITAN LIFE INSURANCE COMPANY33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	2	$9.7M	66.7%
METROPOLITAN LIFE INSURANCE COMPANY	1	$7.4M	33.3%

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
VA	1	$7.4M	0.0%	15.30x
NY	1	$2.2M	0.0%	6.61x
CA	1	$7.5M	0.0%	4.25x

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 HOWARTH III, FREDERICK W's plans by broker comp / premium ratio. Median 6.46% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

Share of HOWARTH III, FREDERICK W's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-3 of 3 sponsors where HOWARTH III, FREDERICK W is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
PAUL HASTINGS LLP PAUL HASTINGS LLP MASTER WELFARE BENEFITS PLAN	CA	$7.5M	$486K	UNUM LIFE INSURANCE COMPANY OF AMERICA
SCHULTE ROTH & ZABEL LLP SCHULTE ROTH AND ZABEL LLP COMPREHENSIVE HEALTH AND WELFARE PLAN	NY	$2.2M	$251K	FIRST UNUM LIFE INSURANCE COMPANY
HUNTON ANDREWS KURTH LLP HUNTON ANDREWS KURTH LLP WELFARE BENEFIT PLAN	VA	$7.4M	$233K	METROPOLITAN LIFE INSURANCE COMPANY

Carrier

Plans

Premium

UNUM LIFE INSURANCE COMPANY OF AMERICA

$9.7M

66.7%

METROPOLITAN LIFE INSURANCE COMPANY

$7.4M

33.3%

State

Plans

Premium

State share

Index

$7.4M

0.0%

15.30x

$2.2M

0.0%

6.61x

$7.5M

0.0%

4.25x

Sponsor

Loc

Premium

Comp

Carrier

PAUL HASTINGS LLP

PAUL HASTINGS LLP MASTER WELFARE BENEFITS PLAN

$7.5M

$486K

UNUM LIFE INSURANCE COMPANY OF AMERICA

SCHULTE ROTH & ZABEL LLP

SCHULTE ROTH AND ZABEL LLP COMPREHENSIVE HEALTH AND WELFARE PLAN

$2.2M

$251K

FIRST UNUM LIFE INSURANCE COMPANY

HUNTON ANDREWS KURTH LLP

HUNTON ANDREWS KURTH LLP WELFARE BENEFIT PLAN

$7.4M

$233K

METROPOLITAN LIFE INSURANCE COMPANY