Welfare broker

NORTHGATE BENEFITS

Mailing address (most recent filing)

384 BEL MARIN KEYS BLVD

STE 100

NOVATO, CA 94949

Total comp: $180K
Commissions: $180K
Fees: $0
Filings: 5
Sponsors: 5

Carrier mix

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

PRINCIPAL LIFE INSURANCE COMPANY50.0%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PRINCIPAL LIFE INSURANCE COMPANY	1	$564K	50.0%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$617K	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
VA	1	$617K	0.0%	22.94x
CA	1	$564K	0.0%	6.38x

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 NORTHGATE BENEFITS's plans by broker comp / premium ratio. Median 6.23% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where NORTHGATE BENEFITS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
PARALLEL ADVISORS LLC PARALLEL ADVISORS LLC WELFARE PLAN	CA	$564K	$47K	PRINCIPAL LIFE INSURANCE COMPANY
ARES HOLDING CORPORATION ARES HOLDING CORPORATION WELFARE PLAN	VA	$617K	$25K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

Carrier

Plans

Premium

PRINCIPAL LIFE INSURANCE COMPANY

$564K

50.0%

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

$617K

50.0%

State

Plans

Premium

State share

Index

$617K

0.0%

22.94x

$564K

0.0%

6.38x

Sponsor

Loc

Premium

Comp

Carrier

PARALLEL ADVISORS LLC

PARALLEL ADVISORS LLC WELFARE PLAN

$564K

$47K

PRINCIPAL LIFE INSURANCE COMPANY

ARES HOLDING CORPORATION

ARES HOLDING CORPORATION WELFARE PLAN

$617K

$25K

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA