Welfare broker

KISH BANK

Mailing address (most recent filing)

25 GATEWAY DRIVE

REEDSVILLE, PA 17084

Total comp: $40K
Commissions: $40K
Fees: $0
Filings: 5
Sponsors: 5

Carrier mix

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

HM LIFE INSURANCE COMPANY50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HM LIFE INSURANCE COMPANY	1	$311K	50.0%
BLUE CROSS OF CALIFORNIA	1	$298K	50.0%

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
PA	2	$609K	0.0%	23.98x

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 KISH BANK's plans by broker comp / premium ratio. Median 1.70% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where KISH BANK is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
LAKE CHEVROLET-OLDSMOBILE, INC. LAKE CHEVROLET, INC. EMPLOYEE BENEFIT PLAN	PA	$311K	$10K	HM LIFE INSURANCE COMPANY
MILTON TRANSPORTATION INC MILTON TRANSPORTATION EMPLOYEE BENEFIT TRUST	PA	$298K	$682	CAPITAL BLUE CROSS (HIGHMARK)