Welfare broker

MICHAEL J LAGOWY

Mailing address (most recent filing)

3701 CORPORATE PKWY

STE 310

CENTER VALLEY, PA 18034

Total comp: $57K
Commissions: $45K
Fees: $11K
Filings: 3
Sponsors: 3

Carrier mix

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

KEYSTONE HEALTH PLAN EAST50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
KEYSTONE HEALTH PLAN EAST	1	$1.4M	50.0%
BLUE CROSS OF CALIFORNIA	1	$3.1M	50.0%

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
PA	2	$4.5M	0.0%	23.98x

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 J LAGOWY's plans by broker comp / premium ratio. Median 2.09% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where MICHAEL J LAGOWY is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
RETINOVITREOUS ASSOCIATES, LTD. T/A MID ATLANTIC RETINA RETINOVITREOUS ASSOCIATES, LTD. T/A MID ATLANTIC RETINA WELFARE PLAN	PA	$3.1M	$90K	INDEPENDENCE BLUE CROSS
THE FRANKLIN INSTITUTE THE FRANKLIN INSTITUTE GROUP WELFARE PLAN	PA	$1.4M	$18K	KEYSTONE HEALTH PLAN EAST

Carrier

Plans

Premium

KEYSTONE HEALTH PLAN EAST

$1.4M

50.0%

BLUE CROSS OF CALIFORNIA

$3.1M

50.0%

State

Plans

Premium

State share

Index

$4.5M

0.0%

23.98x

Sponsor

Loc

Premium

Comp

Carrier

RETINOVITREOUS ASSOCIATES, LTD. T/A MID ATLANTIC RETINA

RETINOVITREOUS ASSOCIATES, LTD. T/A MID ATLANTIC RETINA WELFARE PLAN

$3.1M

$90K

INDEPENDENCE BLUE CROSS

THE FRANKLIN INSTITUTE

THE FRANKLIN INSTITUTE GROUP WELFARE PLAN

$1.4M

$18K

KEYSTONE HEALTH PLAN EAST