Welfare broker

YISRAEL KUSHNER

Mailing address (most recent filing)

4 JAYS CT

SUITE L

CLOSTER, NJ 07624

Total comp: $188K
Commissions: $188K
Fees: $0
Filings: 4
Sponsors: 4

Carrier mix

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

UNITEDHEALTHCARE INSURANCE COMPANY50.0%
UNITED HEALTHCARE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$2.2M	50.0%
UNITED HEALTHCARE INSURANCE COMPANY	1	$1.8M	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
NY	1	$1.8M	0.0%	9.91x
CT	1	$2.2M	0.1%	51.86x

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 YISRAEL KUSHNER's plans by broker comp / premium ratio. Median 5.53% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
THOM BROWNE, INC THOM BROWNE, INC BENEFIT PLAN	NY	$1.8M	$110K	UNITED HEALTHCARE INSURANCE COMPANY
ADM PROMOTIONS USA INC ADM PROMOTIONS USA INC BENEFIT PLAN	CT	$2.2M	$109K	UNITEDHEALTHCARE

Carrier

Plans

Premium

UNITEDHEALTHCARE INSURANCE COMPANY

$2.2M

50.0%

UNITED HEALTHCARE INSURANCE COMPANY

$1.8M

50.0%

State

Plans

Premium

State share

Index

$1.8M

0.0%

9.91x

$2.2M

0.1%

51.86x

Sponsor

Loc

Premium

Comp

Carrier

THOM BROWNE, INC

THOM BROWNE, INC BENEFIT PLAN

$1.8M

$110K

UNITED HEALTHCARE INSURANCE COMPANY

ADM PROMOTIONS USA INC

ADM PROMOTIONS USA INC BENEFIT PLAN

$2.2M

$109K

UNITEDHEALTHCARE