Welfare broker

KNAPSCHAEFER INSURANCE AGENCY

Mailing address (most recent filing)

213 W. MAIN ST

COLDWATER, OH 45828

Total comp: $838
Commissions: $838
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

HCC LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HCC LIFE INSURANCE COMPANY	1	$531K	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
OH	1	$531K	0.0%	7.72x

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 KNAPSCHAEFER INSURANCE AGENCY's plans by broker comp / premium ratio. Median 0.30% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where KNAPSCHAEFER INSURANCE AGENCY is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
J&M MANUFACTURING CO., INC. J&M MANUFACTURING CO., INC. EMPLOYEE HEALTH BENEFIT PLAN	OH	$531K	$2K	HCC LIFE INSURANCE COMPANY