Welfare broker

KD BENEFITS INSURANCE BROKERAGE

Mailing address (most recent filing)

6 PARK LANE

MARBLEHEAD, MA 01945

Total comp: $11K
Commissions: $11K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

Where KD BENEFITS INSURANCE BROKERAGE 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	$12.3M	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	1	$12.3M	0.0%	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 BROKERAGE's plans by broker comp / premium ratio. Median 0.05% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where KD BENEFITS INSURANCE BROKERAGE is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
BOARD OF TRUSTEES-HEAT & FROST INSULATOR AND ALLIED WORKERS LOCAL 6 H HEAT & FROST INSULATORS AND ALLIED WORKERS LOCAL 6 H & W FUND	MA	$12.3M	$7K	BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC

Carrier

Plans

Premium

BLUE CROSS OF CALIFORNIA

$12.3M

100.0%

State

Plans

Premium

State share

Index

$12.3M

0.0%

46.22x

Sponsor

Loc

Premium

Comp

Carrier

BOARD OF TRUSTEES-HEAT & FROST INSULATOR AND ALLIED WORKERS LOCAL 6 H

HEAT & FROST INSULATORS AND ALLIED WORKERS LOCAL 6 H & W FUND

$12.3M

$7K

BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC