Welfare broker

EMPLOYEE BENEFITS RESOURCE, INC.

Mailing address (most recent filing)

700 BISHOP STREET, SUITE 509

HONOLULU, HI 96813

Total comp: $350K
Commissions: $349K
Fees: $200
Filings: 9
Sponsors: 9

Carrier mix

Where EMPLOYEE BENEFITS RESOURCE, INC. places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

KAISER FOUNDATION HEALTH PLAN INC40.0%
HMAA40.0%
HAWAIIAN MEDICAL ASSURANCE ASSOCIATION (HMAA)20.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
KAISER FOUNDATION HEALTH PLAN INC	2	$4.5M	40.0%
HMAA	2	$2.4M	40.0%
HAWAIIAN MEDICAL ASSURANCE ASSOCIATION (HMAA)	1	$2.1M	20.0%

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
HI	5	$8.9M	1.2%	283.20x

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 EMPLOYEE BENEFITS RESOURCE, INC.'s plans by broker comp / premium ratio. Median 3.44% vs welfare-wide median 6.29% (n=4).

Prospect-flag exposure · vs market baseline

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

1-5 of 5 sponsors where EMPLOYEE BENEFITS RESOURCE, INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
OAHU WASTE MAUI WASTE OAHU WASTE HEALTH AND WELFARE PLAN	HI	$3.4M	$112K	KAISER PERMANENTE
KONA BEACH MANAGEMENT, LLC KING KAMEHAMEHA KONA BEACH HOTEL	HI	$1.1M	$49K	KAISER PERMANENTE
CUTTER MANAGEMENT COMPANY EMPLOYEE BENEFIT PLAN FOR THE EMPLOYEES OF THE CUTTER TEAM	HI	$1.3M	$45K	HMAA
HAWAII CARE AND CLEANING, INC. HAWAII CARE AND CLEANING WELFARE BENEFIT PLAN	HI	$1.1M	$32K	HMAA
HAWAIIAN PACIFIC RESTAURANT GROUP, INC. HAWAIIAN PACIFIC RESTAURANT GROUP DBA ROY'S RESTAURANT & AFFILIATES	HI	$2.1M	$0	HAWAIIAN MEDICAL ASSURANCE ASSOCIATION (HMAA)