Welfare broker

RICHARD KERSTEN

Mailing address (most recent filing)

1450 YOUNG STREET

APARTMENT 2306

HONOLULU, HI 96814

Total comp: $89K
Commissions: $89K
Fees: $0
Filings: 8
Sponsors: 8

Carrier mix

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

UNIVERSITY HEALTH ALLIANCE100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNIVERSITY HEALTH ALLIANCE	2	$59.7M	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
HI	2	$59.7M	0.5%	283.20x

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 RICHARD KERSTEN's plans by broker comp / premium ratio. Median 0.59% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where RICHARD KERSTEN is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ALTRES GLOBAL BUSINESS SERVICES, INC. ALTRES GLOBAL BUSINESS SERVICES, INC. EMPLOYEE BENEFITS PLAN	HI	$58.8M	$114K	UNIVERSITY HEALTH ALLIANCE
ALOHA MANAGEMENT COMPANY WELFARE BENEFIT PLAN OF ALOHA MANAGEMENT CO AND ALOHA NURSING REHAB CENTRE	HI	$967K	$10K	UNIVERSITY HEALTH ALLIANCE

Carrier

Plans

Premium

UNIVERSITY HEALTH ALLIANCE

$59.7M

100.0%

State

Plans

Premium

State share

Index

$59.7M

0.5%

283.20x

Sponsor

Loc

Premium

Comp

Carrier

ALTRES GLOBAL BUSINESS SERVICES, INC.

ALTRES GLOBAL BUSINESS SERVICES, INC. EMPLOYEE BENEFITS PLAN

$58.8M

$114K

UNIVERSITY HEALTH ALLIANCE

ALOHA MANAGEMENT COMPANY

WELFARE BENEFIT PLAN OF ALOHA MANAGEMENT CO AND ALOHA NURSING REHAB CENTRE

$967K

$10K

UNIVERSITY HEALTH ALLIANCE