Welfare broker

RICHARD I KERSTEN

Mailing address (most recent filing)

458 AULIMA LOOP

KAILUA, HI 96734

Total comp: $430K
Commissions: $427K
Fees: $3K
Filings: 5
Sponsors: 5

Carrier mix

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

KAISER FOUNDATION HEALTH PLAN INC100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
KAISER FOUNDATION HEALTH PLAN INC	2	$22.2M	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
CA	2	$22.2M	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 RICHARD I KERSTEN's plans by broker comp / premium ratio. Median 1.40% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
HAWAII PERMANENTE MEDICAL GROUP, INC. HAWAII PERMANENTE MEDICAL GROUP, INC. HEALTH AND WELFARE PLAN	CA	$15.6M	$372K	KAISER FOUNDATION HEALTH PLAN, INC.
HAWAII PERMANENTE MEDICAL GROUP, INC. HAWAII PERMANENTE MEDICAL GROUP, INC. RETIREE HEALTH AND WELFARE PLAN	CA	$6.6M	$27K	KAISER FOUNDATION HEALTH PLAN, INC.

Carrier

Plans

Premium

KAISER FOUNDATION HEALTH PLAN INC

$22.2M

100.0%

State

Plans

Premium

State share

Index

$22.2M

0.0%

12.75x

Sponsor

Loc

Premium

Comp

Carrier

HAWAII PERMANENTE MEDICAL GROUP, INC.

HAWAII PERMANENTE MEDICAL GROUP, INC. HEALTH AND WELFARE PLAN

$15.6M

$372K

KAISER FOUNDATION HEALTH PLAN, INC.

HAWAII PERMANENTE MEDICAL GROUP, INC.

HAWAII PERMANENTE MEDICAL GROUP, INC. RETIREE HEALTH AND WELFARE PLAN

$6.6M

$27K

KAISER FOUNDATION HEALTH PLAN, INC.