Welfare broker

NOVUS BENEFIT ADVISORS

Mailing address (most recent filing)

3440 TORINGDON WAY

CHARLOTTE, NC 282773190

Total comp: $66K
Commissions: $66K
Fees: $0
Filings: 7
Sponsors: 7

Carrier mix

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

AMERITAS LIFE INSURANCE CORP.100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
AMERITAS LIFE INSURANCE CORP.	1	$155K	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
NC	1	$155K	0.0%	47.73x

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 NOVUS BENEFIT ADVISORS's plans by broker comp / premium ratio. Median 11.83% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where NOVUS BENEFIT ADVISORS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
HIGHLAND PAVING CO., LLC HIGHLAND PAVING CO., LLC EMPLOYEE BENEFIT PLAN	NC	$155K	$18K	AMERITAS LIFE INSURANCE CORP