Welfare broker

KAPPAROS STEVE

Mailing address (most recent filing)

600 STAR BREWERY DRI SUITE 110

DUBUQUE, IA 52001

Total comp: $11K
Commissions: $11K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

Where KAPPAROS STEVE 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	1	$2.4M	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
IA	1	$2.4M	0.1%	106.11x

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 KAPPAROS STEVE's plans by broker comp / premium ratio. Median 0.84% vs welfare-wide median 6.31% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where KAPPAROS STEVE is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
HILL AND DALES CHILD DEVELOPMENT CENTER HILLS AND DALES CHILD DEVELOPMENT CENTER HEALTH AND WELFARE PLAN	IA	$2.4M	$20K	WELLMARK HEALTH PLAN OF IOWA