Welfare broker

NICHOLAS K KAMAI

Mailing address (most recent filing)

2600 S. TELEGRAPH RD SUITE 100

BLOOMFIELD HILLS, MI 48302

Total comp: $104K
Commissions: $104K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

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

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$467K	50.0%
BLUE CROSS OF CALIFORNIA	1	$2.1M	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
MI	2	$2.5M	0.1%	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 NICHOLAS K KAMAI's plans by broker comp / premium ratio. Median 11.14% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where NICHOLAS K KAMAI is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
VALIANT INTERNATIONAL, INC. VALIANT INTERNATIONAL, INC. EMPLOYEE WELFARE BENEFIT PLAN	MI	$467K	$86K	GUARDIAN
SCHALLER CORPORATION SCHALLER CORPORATION GROUP INSURANCE PLAN	MI	$2.1M	$82K	BLUE CROSS BLUE SHIELD OF MICHIGAN

Carrier

Plans

Premium

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

$467K

50.0%

BLUE CROSS OF CALIFORNIA

$2.1M

50.0%

State

Plans

Premium

State share

Index

$2.5M

0.1%

41.16x

Sponsor

Loc

Premium

Comp

Carrier

VALIANT INTERNATIONAL, INC.

VALIANT INTERNATIONAL, INC. EMPLOYEE WELFARE BENEFIT PLAN

$467K

$86K

GUARDIAN

SCHALLER CORPORATION

SCHALLER CORPORATION GROUP INSURANCE PLAN

$2.1M

$82K

BLUE CROSS BLUE SHIELD OF MICHIGAN