Welfare broker

KEVIN HAMMING

Mailing address (most recent filing)

43370 MOUND ROAD

STERLING HEIGHTS, MI 48314

Carrier mix

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

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PRIORITY HEALTH	2	$3.6M	28.6%
BLUE CROSS OF CALIFORNIA	2	$9.2M	28.6%
KANSAS CITY LIFE INSURANCE COMPANY	1	$78K	14.3%
DELTA DENTAL OF CALIFORNIA	1	$81K	14.3%
BLUE CARE NETWORK OF MICHIGAN	1	$1.2M	14.3%

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
MI	6	$11.6M	0.2%	35.28x
WV	1	$2.5M	0.2%	39.49x

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 KEVIN HAMMING's plans by broker comp / premium ratio. Median 4.60% vs welfare-wide median 6.29% (n=7).

Prospect-flag exposure · vs market baseline

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

1-7 of 7 sponsors where KEVIN HAMMING is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CONTI SERVICE LLC CONTI SERVICE LLC HEALTH AND WELFARE PLAN	MI	$6.7M	$262K	BLUE CROSS BLUE SHIELD OF MICHIGAN
FELMAN PRODUCTION LLC FELMAN PRODUCTION WELFARE BENEFITS PLAN	WV	$2.5M	$87K	HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA
MICHIGAN SEAMLESS TUBE LLC MICHIGAN SEAMLESS TUBE LLC	MI	$2.7M	$80K	PRIORITY HEALTH INSURANCE COMPANY
BECKER ORTHOPEDIC APPLIANCE COMPANY BECKER ORTHOPEDIC APPLIANCE COMPANY MEDICAL PLAN	MI	$1.2M	$54K	BLUE CARE NETWORK OF MICHIGAN
WESTERN WAYNE FAMILY HEALTH CENTER WESTERN WAYNE FAMILY HEALTH CENTER WELFARE BENEFIT PLAN	MI	$941K	$46K	PRIORITY HEALTH
BECKER ORTHOPEDIC APPLIANCE COMPANY BECKER ORTHOPEDIC APPLIANCE COMPANY GROUP LIFE AD&D AND SHORT-TERM DISABILITY PLAN	MI	$78K	$6K	KANSAS CITY LIFE
BECKER ORTHOPEDIC APPLIANCE COMPANY BECKER ORTHOPEDIC APPLIANCE COMPANY DENTAL PLAN	MI	$81K	$4K	DELTA DENTAL OF MICHIGAN