Welfare broker

KUHLMANN FINANCIAL SERVICES INC

Mailing address (most recent filing)

46 WINDCASTLE DR

SAINT CHARLES, MO 63304

Total comp: $94K
Commissions: $92K
Fees: $2K
Filings: 4
Sponsors: 4

Carrier mix

Where KUHLMANN FINANCIAL SERVICES INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

METROPOLITAN LIFE INSURANCE COMPANY50.0%
ADREM ADMINISTRATORS LLC50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
METROPOLITAN LIFE INSURANCE COMPANY	1	$50K	50.0%
ADREM ADMINISTRATORS LLC	1	$1.7M	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
VA	1	$50K	0.0%	22.94x
MO	1	$1.7M	0.0%	8.93x

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 KUHLMANN FINANCIAL SERVICES INC's plans by broker comp / premium ratio. Median 14.55% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of KUHLMANN FINANCIAL SERVICES INC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where KUHLMANN FINANCIAL SERVICES INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
DAVIDSON SURFACE/AIR, INC. DAVIDSON SURFACE/AIR, INC. GROUP HEALTH PLAN	MO	$1.7M	$95K	ADREM ADMINISTRATORS LLC
FORE GOLF OPERATIONS, LLC FORE GOLF OPERATIONS, LLC HEALTH AND WELFARE PLAN	VA	$50K	$12K	METROPOLITAN LIFE INSURANCE COMPANY

Carrier

Plans

Premium

METROPOLITAN LIFE INSURANCE COMPANY

$50K

50.0%

ADREM ADMINISTRATORS LLC

$1.7M

50.0%

State

Plans

Premium

State share

Index

$50K

0.0%

22.94x

$1.7M

0.0%

8.93x

Sponsor

Loc

Premium

Comp

Carrier

DAVIDSON SURFACE/AIR, INC.

DAVIDSON SURFACE/AIR, INC. GROUP HEALTH PLAN

$1.7M

$95K

ADREM ADMINISTRATORS LLC

FORE GOLF OPERATIONS, LLC

FORE GOLF OPERATIONS, LLC HEALTH AND WELFARE PLAN

$50K

$12K

METROPOLITAN LIFE INSURANCE COMPANY