Welfare broker

JOHN HOWARD

Mailing address (most recent filing)

1560 ORANGE AVE, STE 750

WINTER PARK, FL 32789

Total comp: $41K
Commissions: $41K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

CAPITAL ADVANTAGE ASSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CAPITAL ADVANTAGE ASSURANCE COMPANY	1	$2.9M	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
FL	1	$2.9M	0.0%	25.39x

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 JOHN HOWARD's plans by broker comp / premium ratio. Median 4.40% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
SYN-TECH SYSTEMS, INC. SYN-TECH SYSTEMS, INC. COMPREHENSIVE WELFARE PLAN	FL	$2.9M	$127K	CAPITAL HEALTH PLAN