Welfare broker

KRAMER, RICHARD

Mailing address (most recent filing)

875 WEST BROADWAY AVENUE

MUSKEGON, MI 49441

Total comp: $23K
Commissions: $23K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

PRIORITY HEALTH100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PRIORITY HEALTH	1	$816K	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
MI	1	$816K	0.0%	41.16x

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 KRAMER, RICHARD's plans by broker comp / premium ratio. Median 5.77% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where KRAMER, RICHARD is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
FOMCORE, LLC FOMCORE, LLC WELFARE BENEFIT PLAN	MI	$816K	$47K	PRIORITY HEALTH