Welfare broker

MICHAEL KLEPATZ

Mailing address (most recent filing)

150 EAST 4TH PLACE, SUITE 306

SIOUX FALLS, SD 57104

Total comp: $3K
Commissions: $3K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

DELTA DENTAL OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
DELTA DENTAL OF CALIFORNIA	1	$291K	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
SD	1	$291K	0.3%	362.21x

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 KLEPATZ's plans by broker comp / premium ratio. Median 2.89% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where MICHAEL KLEPATZ is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
LIV EMPLOYEE BENEFITS, LLC LIV EMPLOYEE BENEFITS, LLC HEALTH AND WELFARE PLAN	SD	$291K	$8K	DELTA DENTAL OF SOUTH DAKOTA