Welfare broker

J. KRUG & ASSOCIATES

Mailing address (most recent filing)

1 PIERCE PLACE STE 1250 W

ITASCA, IL 60143

Total comp: $106K
Commissions: $105K
Fees: $1K
Filings: 4
Sponsors: 4

Carrier mix

Where J. KRUG & ASSOCIATES places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

PRINCIPAL LIFE INSURANCE COMPANY50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PRINCIPAL LIFE INSURANCE COMPANY	1	$92K	50.0%
BLUE CROSS OF CALIFORNIA	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
IL	2	$2.3M	0.0%	28.47x

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 J. KRUG & ASSOCIATES's plans by broker comp / premium ratio. Median 8.21% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of J. KRUG & ASSOCIATES's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where J. KRUG & ASSOCIATES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
PROVIDENCE MANAGEMENT COMPANY, LLC PROVIDENCE MANAGEMENT COMPANY, LLC MEDICAL PLAN	IL	$2.2M	$93K	BLUE CROSS BLUE SHIELD OF ILLINOISJ. KRUG & ASSOCIATESJ.
PROVIDENCE MANAGEMENT COMPANY, LLC PROVIDENCE MANAGEMENT COMPANY INSURANCE PLAN	IL	$92K	$11K	PRINCIPAL LIFE INSURANCE COMPANY

Carrier

Plans

Premium

PRINCIPAL LIFE INSURANCE COMPANY

$92K

50.0%

BLUE CROSS OF CALIFORNIA

$2.2M

50.0%

State

Plans

Premium

State share

Index

$2.3M

0.0%

28.47x

Sponsor

Loc

Premium

Comp

Carrier

PROVIDENCE MANAGEMENT COMPANY, LLC

PROVIDENCE MANAGEMENT COMPANY, LLC MEDICAL PLAN

$2.2M

$93K

BLUE CROSS BLUE SHIELD OF ILLINOISJ. KRUG & ASSOCIATESJ.

PROVIDENCE MANAGEMENT COMPANY, LLC

PROVIDENCE MANAGEMENT COMPANY INSURANCE PLAN

$92K

$11K

PRINCIPAL LIFE INSURANCE COMPANY