Welfare broker

HEMA KAKAR

Mailing address (most recent filing)

36 DEBRA DRIVE

DAYTON, NJ 08810

Total comp: $113K
Commissions: $7K
Fees: $107K
Filings: 1
Sponsors: 1

Carrier mix

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

CIGNA HEALTH AND LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$5.0M	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	$5.0M	0.0%	19.82x

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 HEMA KAKAR's plans by broker comp / premium ratio. Median 6.61% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where HEMA KAKAR is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ASSOCIATION OF NATIONAL ADVERTISERS, INC. ASSOCIATION OF NATIONAL ADVERTISERS WELFARE BENEFITS PLAN	NY	$5.0M	$331K	CIGNA HEALTH AND LIFE INSURANCE COMPANY