Welfare broker

MICHAEL GARDI

Mailing address (most recent filing)

4211 WEST BOY SCOUT BLVD

TAMPA, FL 33607

Total comp: $68K
Commissions: $68K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

Where MICHAEL GARDI 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	$2.7M	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	$2.7M	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 MICHAEL GARDI's plans by broker comp / premium ratio. Median 4.41% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where MICHAEL GARDI is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ORTHOPAEDIC SOLUTIONS MANAGEMENT ORTHOPAEDIC SOLUTIONS MANAGEMENT EMPLOYEE BENEFITS PLAN	FL	$2.7M	$121K	CAPITAL HEALTH PLAN