Welfare broker

KAMM INSURANCE GROUP

Mailing address (most recent filing)

UNKNOWN

NILE, IL 60714

Total comp: $389K
Commissions: $349K
Fees: $40K
Filings: 11
Sponsors: 11

Carrier mix

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

BLUE CROSS OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	3	$8.1M	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
IL	3	$8.1M	0.1%	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 KAMM INSURANCE GROUP's plans by broker comp / premium ratio. Median 4.95% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where KAMM INSURANCE GROUP is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
LB METALS, LLC LB METALS, LLC BENEFITS PLAN	IL	$3.9M	$190K	HEALTH CARE SERVICE CORPORATION
LIFEWAY FOODS, INC. LIFEWAY FOODS, INC. WELFARE BENEFIT PLAN	IL	$2.2M	$110K	BLUE CROSS BLUE SHIELD OF ILLINOIS
IT SOFT USA INC IT SOFT BENEFITS	IL	$2.0M	$106K	BLUECROSS BLUESHIELD OF ILLINOIS

Carrier

Plans

Premium

BLUE CROSS OF CALIFORNIA

$8.1M

100.0%

State

Plans

Premium

State share

Index

$8.1M

0.1%

28.47x

Sponsor

Loc

Premium

Comp

Carrier

LB METALS, LLC

LB METALS, LLC BENEFITS PLAN

$3.9M

$190K

HEALTH CARE SERVICE CORPORATION

LIFEWAY FOODS, INC.

LIFEWAY FOODS, INC. WELFARE BENEFIT PLAN

$2.2M

$110K

BLUE CROSS BLUE SHIELD OF ILLINOIS

IT SOFT USA INC

IT SOFT BENEFITS

$2.0M

$106K

BLUECROSS BLUESHIELD OF ILLINOIS