Welfare broker

KT&D INC.

Mailing address (most recent filing)

1013 CENTRE ROAD

SUITE 200

WILMINGTON, DE 19805

Total comp: $74K
Commissions: $74K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

Where KT&D INC. places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

BLUE CROSS OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	1	$2.3M	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
DE	1	$2.3M	0.3%	397.43x

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 KT&D INC.'s plans by broker comp / premium ratio. Median 3.16% vs welfare-wide median 6.40% (n=1).

Prospect-flag exposure · vs market baseline

Share of KT&D INC.'s book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where KT&D INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ANESTHESIA SERVICES, PA ANESTHESIA SERVICES, PA GROUP HEALTH PLAN	DE	$2.3M	$74K	HIGHMARK DELAWARE