Welfare broker

NORTHWELL DIRECT

Mailing address (most recent filing)

P.O. BOX 412850

BOSTON, MA 02241

Total comp: $180K
Commissions: $180K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

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

AMALGAMATED LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
AMALGAMATED LIFE INSURANCE COMPANY	1	$481K	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
NY	1	$481K	0.0%	19.82x

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 39.62% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor 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