Welfare broker

NORTHWELL DIRECT

Mailing address (most recent filing)

1111 MARCUS AVE.

NORTH NEW HYDE PARK, NY 11042

Total comp: $226K
Commissions: $226K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

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

GERBER LIFE INSURANCE COMPANY50.0%
AMALGAMATED LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
GERBER LIFE INSURANCE COMPANY	1	$1.1M	50.0%
AMALGAMATED LIFE INSURANCE COMPANY	1	$481K	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
NY	2	$1.6M	0.0%	19.99x

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 NORTHWELL DIRECT's plans by broker comp / premium ratio. Median 22.95% vs welfare-wide median 6.35% (n=2).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
PROFESSIONAL ORTHOPEDIC & SPORTS PHYSICAL THERAPY PC PROFESSIONAL ORTHOPEDIC & SPORTS PHYSICAL THERAPY BENEFIT PLAN	NY	$481K	$191K	AMALGAMATED LIFE INSURANCE CO
PALM BAY INTERNATIONAL, INC. PALM BAY INTERNATIONAL, INC. WELFARE BENEFITS WRAP PLAN	NY	$1.1M	$71K	GERBER LIFE INSURANCE COMPANY

Carrier

Plans

Premium

GERBER LIFE INSURANCE COMPANY

$1.1M

50.0%

AMALGAMATED LIFE INSURANCE COMPANY

$481K

50.0%

State

Plans

Premium

State share

Index

$1.6M

0.0%

19.99x

Sponsor

Loc

Premium

Comp

Carrier

PROFESSIONAL ORTHOPEDIC & SPORTS PHYSICAL THERAPY PC

PROFESSIONAL ORTHOPEDIC & SPORTS PHYSICAL THERAPY BENEFIT PLAN

$481K

$191K

AMALGAMATED LIFE INSURANCE CO

PALM BAY INTERNATIONAL, INC.

PALM BAY INTERNATIONAL, INC. WELFARE BENEFITS WRAP PLAN

$1.1M

$71K

GERBER LIFE INSURANCE COMPANY