Welfare broker

MAIA LABOW

Mailing address (most recent filing)

666 DUNDEE RD

STE 1603

NORTHBROOK, IL 60062

Total comp: $849K
Commissions: $794K
Fees: $55K
Filings: 14
Sponsors: 14

Carrier mix

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

SIRIUS AMERICA INSURANCE COMPANY33.3%
NATIONAL HEALTH INSURANCE COMPANY33.3%
METROPOLITAN LIFE INSURANCE COMPANY33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
SIRIUS AMERICA INSURANCE COMPANY	1	$980K	33.3%
NATIONAL HEALTH INSURANCE COMPANY	1	$1.8M	33.3%
METROPOLITAN LIFE INSURANCE COMPANY	1	$249K	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
WA	1	$980K	0.1%	20.57x
OH	1	$249K	0.0%	2.57x
NJ	1	$1.8M	0.0%	15.46x

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 MAIA LABOW's plans by broker comp / premium ratio. Median 36.79% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where MAIA LABOW is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
AFFINITY CARE OF NJ, LLC AFFINITY CARE OF NJ, LLC EMPLOYEE BENEFIT PLAN	NJ	$1.8M	$649K	NATIONAL HEALTH INSURANCE COMPANY
CALDERA CARE CALDERA CARE MEDICAL PLAN	WA	$980K	$173K	SIRIUSPOINT AMERICA INSURANCE COMPANY
COTTINGHAM MANAGEMENT LIONSTONE CARE GROUP LIFE AND AD&D PLAN	OH	$249K	$162K	METROPOLITAN LIFE INSURANCE COMPANY

Carrier

Plans

Premium

SIRIUS AMERICA INSURANCE COMPANY

$980K

33.3%

NATIONAL HEALTH INSURANCE COMPANY

$1.8M

33.3%

METROPOLITAN LIFE INSURANCE COMPANY

$249K

33.3%

State

Plans

Premium

State share

Index

$980K

0.1%

20.57x

$249K

0.0%

2.57x

$1.8M

0.0%

15.46x

Sponsor

Loc

Premium

Comp

Carrier

AFFINITY CARE OF NJ, LLC

AFFINITY CARE OF NJ, LLC EMPLOYEE BENEFIT PLAN

$1.8M

$649K

NATIONAL HEALTH INSURANCE COMPANY

CALDERA CARE

CALDERA CARE MEDICAL PLAN

$980K

$173K

SIRIUSPOINT AMERICA INSURANCE COMPANY

COTTINGHAM MANAGEMENT

LIONSTONE CARE GROUP LIFE AND AD&D PLAN

$249K

$162K

METROPOLITAN LIFE INSURANCE COMPANY