Welfare broker

KD BENEFITS INSURANCE BRO

Mailing address (most recent filing)

UNKNOWN

MARBLEHEAD, MA 01945

Total comp: $5K
Commissions: $5K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

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

EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA	2	$43K	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
MA	2	$43K	0.1%	46.22x

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 KD BENEFITS INSURANCE BRO's plans by broker comp / premium ratio. Median 16.20% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where KD BENEFITS INSURANCE BRO is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CHAMPION CITY TRANSIT MANAGEMENT, INC. CHAMPION CITY TRANSIT MANAGEMENT, INC. LIFE AND ADD BENEFIT PLAN	MA	$24K	$4K	EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA
CHAMPION CITY TRANSIT MANAGEMENT, INC. EAST COAST TRANSIT SERVICES, INC. STD AND LTD BENEFIT PLAN	MA	$19K	$3K	EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA

Carrier

Plans

Premium

EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA

$43K

100.0%

State

Plans

Premium

State share

Index

$43K

0.1%

46.22x

Sponsor

Loc

Premium

Comp

Carrier

CHAMPION CITY TRANSIT MANAGEMENT, INC.

CHAMPION CITY TRANSIT MANAGEMENT, INC. LIFE AND ADD BENEFIT PLAN

$24K

$4K

EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA

CHAMPION CITY TRANSIT MANAGEMENT, INC.

EAST COAST TRANSIT SERVICES, INC. STD AND LTD BENEFIT PLAN

$19K

$3K

EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA