Welfare broker

APERATURE CONSULTING

Mailing address (most recent filing)

210 W HAMILTON AVENUE

STATE COLLEGE, PA 16801

Total comp: $45K
Commissions: $45K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

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

CAPITAL ADVANTAGE ASSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CAPITAL ADVANTAGE ASSURANCE COMPANY	1	$3.2M	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
PA	1	$3.2M	0.0%	23.98x

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 APERATURE CONSULTING's plans by broker comp / premium ratio. Median 2.00% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where APERATURE CONSULTING is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
KCF TECHNOLOGIES, INC. KCF TECHNOLOGIES, INC. HEALTH AND WELFARE PLAN	PA	$3.2M	$64K	CAPITAL ADVANTAGE ASSURANCE COMPANY