Welfare broker

ADVOCATE NAVE BENEFITS

Mailing address (most recent filing)

228 PARK AVENUE SOUTH, PMB 97880

NEW YORK, NY 10003

Total comp: $72K
Commissions: $72K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

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

BLUE CROSS OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	1	$2.6M	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
CA	1	$2.6M	0.0%	12.80x

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 ADVOCATE NAVE BENEFITS's plans by broker comp / premium ratio. Median 4.92% vs welfare-wide median 6.40% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where ADVOCATE NAVE BENEFITS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
TERABASE ENERGY TERABASE ENERGY EMPLOYEE BENEFITS PLAN	CA	$2.6M	$126K	BLUE CROSS OF CALIFORNIA