Welfare broker

KEITH FINKBONER

Mailing address (most recent filing)

5362 POOLA STREET

HONOLULU, HI 96821

Total comp: $4K
Commissions: $4K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

UNUM LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$50K	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
HI	1	$50K	0.2%	287.99x

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 KEITH FINKBONER's plans by broker comp / premium ratio. Median 15.21% vs welfare-wide median 6.40% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where KEITH FINKBONER is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CADES SCHUTTE LLP CADES SCHUTTE LLP LONG TERM CARE	HI	$50K	$8K	UNUM LIFE INSURANCE COMPANY OF AMERICA