Welfare broker

TERENCE HAVENS

Mailing address (most recent filing)

586 BAY VILLAS LN

NAPLES, FL 34108

Total comp: $113K
Commissions: $113K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

GRANULAR INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
GRANULAR INSURANCE COMPANY	1	$6.8M	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
KY	1	$6.8M	0.0%	19.70x

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 TERENCE HAVENS's plans by broker comp / premium ratio. Median 4.52% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where TERENCE HAVENS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
PRO MACH, INC. PRO MACH, INC. EMPLOYEE BENEFITS PLAN	KY	$6.8M	$306K	GRANULAR INSURANCE COMPANY