Welfare broker

DKG INS & FINANCIAL SERV INC.

Mailing address (most recent filing)

50 MAIN STREET

SUITE 320

WHITE PLAINS, NY 10606

Total comp: $151K
Commissions: $140K
Fees: $11K
Filings: 12
Sponsors: 12

Carrier mix

Where DKG INS & FINANCIAL SERV INC. places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

CIGNA HEALTH AND LIFE INSURANCE COMPANY50.0%
AETNA LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$1.6M	50.0%
AETNA LIFE INSURANCE COMPANY	1	$2.2M	50.0%

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	$1.6M	0.0%	23.18x
CA	1	$2.2M	0.0%	6.38x

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 DKG INS & FINANCIAL SERV INC.'s plans by broker comp / premium ratio. Median 3.98% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of DKG INS & FINANCIAL SERV INC.'s book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where DKG INS & FINANCIAL SERV INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
GARDEN COMMUNITIES GARDEN COMMUNITIES WELFARE BENEFITS PLAN	CA	$2.2M	$147K	AETNA HEALTH INC
M. MANAGEMENT M. MANAGEMENT EMPLOYEE BENEFIT/FRINGE PLAN	NJ	$1.6M	$21K	CIGNA HEALTH AND LIFE INSURANCE COMPANY

Carrier

Plans

Premium

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$1.6M

50.0%

AETNA LIFE INSURANCE COMPANY

$2.2M

50.0%

State

Plans

Premium

State share

Index

$1.6M

0.0%

23.18x

$2.2M

0.0%

6.38x

Sponsor

Loc

Premium

Comp

Carrier

GARDEN COMMUNITIES

GARDEN COMMUNITIES WELFARE BENEFITS PLAN

$2.2M

$147K

AETNA HEALTH INC

M. MANAGEMENT

M. MANAGEMENT EMPLOYEE BENEFIT/FRINGE PLAN

$1.6M

$21K

CIGNA HEALTH AND LIFE INSURANCE COMPANY