Welfare broker

MICHAEL GUROWSKI

Mailing address (most recent filing)

24 RIVER BIRCH LANE

WEBSTER, NY 14580

Total comp: $25K
Commissions: $25K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

LIFE INSURANCE COMPANY OF NORTH AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
LIFE INSURANCE COMPANY OF NORTH AMERICA	1	$1.0M	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
NJ	1	$1.0M	0.0%	46.37x

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 GUROWSKI's plans by broker comp / premium ratio. Median 13.51% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
U.S. RETIREMENT PARTNERS, INC. HEALTH AND WELFARE PLAN FOR THE EMPLOYEES OF US RETIREMENT PARTNERS, INC.	NJ	$1.0M	$135K	LIFE INSURANCE COMPANY OF NORTH AMERICA