Welfare broker

HOWEY & ASSOCIATES, INC.

Mailing address (most recent filing)

22333 ALLEN RD

WOODHAVEN, MI 48183

Total comp: $7K
Commissions: $5K
Fees: $2K
Filings: 3
Sponsors: 3

Carrier mix

Where HOWEY & ASSOCIATES, INC. places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

PRINCIPAL LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PRINCIPAL LIFE INSURANCE COMPANY	1	$53K	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
MI	1	$53K	0.0%	41.16x

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 HOWEY & ASSOCIATES, INC.'s plans by broker comp / premium ratio. Median 9.76% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of HOWEY & ASSOCIATES, INC.'s book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where HOWEY & ASSOCIATES, INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ROSE MOVING & STORAGE CO. ROSE MOVING AND STORAGE COMPANY	MI	$53K	$5K	PRINCIPAL LIFE INSURANCE COMPANY