Welfare broker

HENRY KRAMARSKI

Mailing address (most recent filing)

505 S LENOLA RD STE 127

MOORESTOWN, NJ 08057

Total comp: $55K
Commissions: $55K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

AETNA LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
AETNA LIFE INSURANCE COMPANY	1	$1.3M	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
NJ	1	$1.3M	0.0%	46.52x

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 HENRY KRAMARSKI's plans by broker comp / premium ratio. Median 4.44% vs welfare-wide median 6.35% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where HENRY KRAMARSKI is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
BUONA VITA, INC. BUONA VITA, INC. WELFARE PLAN	NJ	$1.3M	$57K	AETNA