Welfare broker

KESSLER ALAIR INSURANCE SERVICES

Mailing address (most recent filing)

12487 N MAINSTREET, SUITE 240

RANCHO CUCAMONGA, CA 91739

Total comp: $70K
Commissions: $70K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

Where KESSLER ALAIR INSURANCE SERVICES 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	$1.7M	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
CA	1	$1.7M	0.0%	12.75x

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 KESSLER ALAIR INSURANCE SERVICES's plans by broker comp / premium ratio. Median 4.07% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where KESSLER ALAIR INSURANCE SERVICES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
SPEARS MANUFACTURING COMPANY SPEARS MANUFACTURING COMPANY EMPLOYEES' BENEFITS PLAN	CA	$1.7M	$70K	UNUM LIFE INSURANCE COMPANY OF AMERICA

Carrier

Plans

Premium

UNUM LIFE INSURANCE COMPANY OF AMERICA

$1.7M

100.0%

State

Plans

Premium

State share

Index

$1.7M

0.0%

12.75x

Sponsor

Loc

Premium

Comp

Carrier

SPEARS MANUFACTURING COMPANY

SPEARS MANUFACTURING COMPANY EMPLOYEES' BENEFITS PLAN

$1.7M

$70K

UNUM LIFE INSURANCE COMPANY OF AMERICA