Welfare broker

DAVID KUSHNER

Mailing address (most recent filing)

16831 ISLE OF PALMS, APARTMENTS C

DELRAY, FL 33484

Total comp: $159K
Commissions: $157K
Fees: $1K
Filings: 4
Sponsors: 4

Carrier mix

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

RELIANCE STANDARD LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
RELIANCE STANDARD LIFE INSURANCE COMPANY	1	$321K	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
NY	1	$321K	0.0%	20.01x

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 KUSHNER's plans by broker comp / premium ratio. Median 12.16% vs welfare-wide median 6.40% (n=1).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
SPELLMAN HIGH VOLTAGE ELECTRONICS CORP. SPELLMAN HIGH VOLTAGE GROUP LIFE AND MAJOR MEDICAL PLAN	NY	$321K	$39K	FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY