Welfare broker

RONALD W. KERBIS

Mailing address (most recent filing)

PO BOX 7135

BUFFALO GROVE, IL 600897135

Total comp: $181K
Commissions: $38K
Fees: $143K
Filings: 3
Sponsors: 3

Carrier mix

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

UNITEDHEALTHCARE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$1.5M	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
IL	1	$1.5M	0.0%	28.47x

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 RONALD W. KERBIS's plans by broker comp / premium ratio. Median 3.56% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where RONALD W. KERBIS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
GHP GROUP, INC GHP GROUP, INC	IL	$1.5M	$52K	UNITEDHEALTHCARE INSURANCE COMPANY