Welfare broker

PAMELA J KREBER

Mailing address (most recent filing)

5905 S DEER PARK DR

SIOUX FALLS, SD 57108

Total comp: $7K
Commissions: $7K
Fees: $236
Filings: 6
Sponsors: 6

Carrier mix

Where PAMELA J KREBER 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	$1.7M	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	$1.7M	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 PAMELA J KREBER's plans by broker comp / premium ratio. Median 0.84% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where PAMELA J KREBER is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
O'CONNOR COMPANY INC O'CONNOR COMPANY FLEXIBLE BENEFITS PLAN	SD	$1.7M	$14K	WELLMARK OF SOUTH DAKOTA INC