Welfare broker

KAMINER FINANCIAL GROUP, LTD

Mailing address (most recent filing)

1415 RT 70 E STE 510

CHERRY HILL, NJ 08034

Total comp: $18K
Commissions: $18K
Fees: $0
Filings: 4
Sponsors: 4

Carrier mix

Where KAMINER FINANCIAL GROUP, LTD places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

AETNA LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
AETNA LIFE INSURANCE COMPANY	1	$32K	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
NJ	1	$32K	0.0%	46.37x

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 KAMINER FINANCIAL GROUP, LTD's plans by broker comp / premium ratio. Median 11.76% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of KAMINER FINANCIAL GROUP, LTD's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where KAMINER FINANCIAL GROUP, LTD is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
DAVIS ENTERPRISES DAVIS ENTERPRISES DENTAL PLAN	NJ	$32K	$4K	AETNA LIFE INSURANCE COMPANY AND AFFILIATES