Welfare broker

DAVID KLUGMANN

Mailing address (most recent filing)

SEVENTH AVENUE

NEW YORK, NY 10001

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

Carrier mix

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

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$0	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
NJ	1	$0	0.0%	46.37x

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 DAVID KLUGMANN's plans by broker comp / premium ratio. Median n/a vs welfare-wide median 6.29% (n=0).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where DAVID KLUGMANN is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
TRAVELRITE, INC. FAMOUS UNI CORPORATION PENSION PLAN	NJ	$0	$0	GUARDIAN LIFE