Welfare broker

MICHAEL B. KELLY INSURANCE

Mailing address (most recent filing)

P. O. BOX 222634

CARMEL, CA 939222263

Total comp: $133K
Commissions: $133K
Fees: $300
Filings: 4
Sponsors: 4

Carrier mix

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

HUMANA INSURANCE COMPANY50.0%
ANTHEM LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HUMANA INSURANCE COMPANY	1	$643K	50.0%
ANTHEM LIFE INSURANCE COMPANY	1	$1.3M	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
CA	2	$2.0M	0.0%	12.75x

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 MICHAEL B. KELLY INSURANCE's plans by broker comp / premium ratio. Median 3.20% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where MICHAEL B. KELLY INSURANCE is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
INTERIM INCORPORATED INTERIM INCORPORATED HEALTH & WELFARE PLAN	CA	$1.3M	$57K	ANTHEM BLUE CROSS
CYPRESS HEALTHCARE PARTNERS, LLC CYPRESS HEALTHCARE PARTNERS, LLC ERISA HEALTHCARE PLAN	CA	$643K	$14K	HUMANA INSURANCE COMPANY

Carrier

Plans

Premium

HUMANA INSURANCE COMPANY

$643K

50.0%

ANTHEM LIFE INSURANCE COMPANY

$1.3M

50.0%

State

Plans

Premium

State share

Index

$2.0M

0.0%

12.75x

Sponsor

Loc

Premium

Comp

Carrier

INTERIM INCORPORATED

INTERIM INCORPORATED HEALTH & WELFARE PLAN

$1.3M

$57K

ANTHEM BLUE CROSS

CYPRESS HEALTHCARE PARTNERS, LLC

CYPRESS HEALTHCARE PARTNERS, LLC ERISA HEALTHCARE PLAN

$643K

$14K

HUMANA INSURANCE COMPANY