https://siriusb.ai/_next/static/chunks/pages/reports/broker-compensation-study-demo-883390f72672226e.js

1(self.webpackChunk_N_E=self.webpackChunk_N_E||[]).push([[9870],{3948:(e,i,s)=>{"use strict";s.d(i,{y:()=>n});var a=s(7876),t=s(4232),r=s(4256);function n(e){let{children:i,className:s="",glowColor:n="rgba(198, 111, 34, 0.3)"}=e,c=(0,t.useRef)(null),[l,o]=(0,t.useState)({x:0,y:0}),[d,m]=(0,t.useState)(!1);return(0,a.jsxs)(r.P.div,{ref:c,className:"relative overflow-hidden ".concat(s),onMouseMove:e=>{if(!c.current)return;let i=c.current.getBoundingClientRect();o({x:e.clientX-i.left,y:e.clientY-i.top})},onMouseEnter:()=>m(!0),onMouseLeave:()=>m(!1),whileHover:{scale:1.02},transition:{type:"spring",stiffness:300,damping:20},children:[d&&(0,a.jsx)(r.P.div,{className:"pointer-events-none absolute inset-0 opacity-0",animate:{opacity:+!!d},transition:{duration:.3},style:{background:"radial-gradient(600px circle at ".concat(l.x,"px ").concat(l.y,"px, ").concat(n,", transparent 40%)")}}),(0,a.jsx)("div",{className:"relative z-10",children:i})]})}},4812:(e,i,s)=>{(window.__NEXT_P=window.__NEXT_P||[]).push(["/reports/broker-compensation-study-demo",function(){return s(5851)}])},5851:(e,i,s)=>{"use strict";s.r(i),s.d(i,{default:()=>E});var a=s(7876),t=s(4232),r=s(4408),n=s(5976),c=s(3868),l=s(9917),o=s(1188),d=s(6423),m=s(3948),x=s(4256),u=s(7212),p=s(1901),h=s(5665),v=s(6327),y=s(9121),f=s(4880),g=s(8050),j=s(9999),b=s(7282),N=s(8869),w=s(2189),A=s(5287),C=s(8967),P=s(4906),k=s(4234),_=s(9824);function S(e){let{value:i,prefix:s="",suffix:r="",duration:n=2e3,decimals:c=0}=e,[l,o]=(0,t.useState)(0);return(0,t.useEffect)(()=>{let e,s,a=t=>{e||(e=t);let r=Math.min((t-e)/n,1);o(r*i),r<1&&(s=requestAnimationFrame(a))};return s=requestAnimationFrame(a),()=>cancelAnimationFrame(s)},[i,n]),(0,a.jsxs)("span",{children:[s,l.toFixed(c).replace(/\B(?=(\d{3})+(?!\d))/g,","),r]})}function E(){let[e,i]=(0,t.useState)("overview"),s=[{id:"overview",label:"Executive Summary",icon:p.A},{id:"findings",label:"Key Findings",icon:h.A},{id:"compensation",label:"Revenue Streams",icon:v.A},{id:"fiduciary",label:"Fiduciary Analysis",icon:y.A},{id:"evidence",label:"Evidence Trail",icon:f.A}],E=[{icon:v.A,title:"Multi-Layered Revenue Streams",finding:"7 distinct compensation channels identified",impact:"Base commissions + override bonuses + contingent payments + volume incentives + carrier bonuses + renewal bonuses + equity interests",severity:"high"},{icon:g.A,title:"Undisclosed Conflict of Interest",finding:"Carrier-paid bonuses not disclosed to plan sponsors",impact:"$427,000 in carrier payments over 3 years not itemized in fee disclosures",severity:"critical"},{icon:j.A,title:"Volume-Based Incentive Structure",finding:"Compensation tied to carrier placement volume, not plan performance",impact:"Creates financial incentive to steer toward high-commission carriers regardless of plan fit",severity:"high"},{icon:b.A,title:"Captive Insurance Entity",finding:"Ownership stake in captive reinsurance entity receiving plan premiums",impact:"Dual role as advisor and indirect beneficiary of plan spend",severity:"critical"}],F=[{stream:"Base Commission",amount:284500,source:"Percentage of premium (2.5%)",disclosure:"Disclosed",verified:!0},{stream:"Override Bonuses",amount:142300,source:"Volume tier achievement",disclosure:"Partial",verified:!0},{stream:"Carrier Bonuses",amount:89700,source:"Preferred carrier placement",disclosure:"Not Disclosed",verified:!0},{stream:"Contingent Commissions",amount:67200,source:"Loss ratio performance",disclosure:"Not Disclosed",verified:!0},{stream:"Renewal Bonuses",amount:51400,source:"Multi-year retention",disclosure:"Partial",verified:!0},{stream:"Volume Incentives",amount:38900,source:"Cross-sell targets",disclosure:"Not Disclosed",verified:!0},{stream:"Captive Equity Returns",amount:53e3,source:"Reinsurance entity distributions",disclosure:"Not Disclosed",verified:!0}],D=[{source:"Form 5500 Schedule A",finding:"Base commission payments verified",citation:"Line 3(a) - $284,500 in broker compensation",verified:!0},{source:"Carrier Agreement Analysis",finding:"Override structure documented in carrier contracts",citation:"Aetna Producer Agreement Section 4.2 - Volume-based overrides",verified:!0},{source:"Fee Disclosure Statement",finding:"Material omissions in compensation disclosure",citation:"Annual disclosure omitted carrier-paid bonuses and captive returns",verified:!0},{source:"State Business Filings",finding:"Captive entity ownership structure",citation:"Delaware LLC filing showing 23% ownership stake",verified:!0},{source:"Carrier Bonus Schedule",finding:"Preferred placement incentive payments",citation:"UnitedHealthcare Producer Bonus Grid Q3 2025",verified:!0}],L=F.reduce((e,i)=>e+i.amount,0),R=F.filter(e=>"Not Disclosed"===e.disclosure).reduce((e,i)=>e+i.amount,0);return(0,a.jsxs)(a.Fragment,{children:[(0,a.jsx)(r.k,{title:"Broker Compensation Study - Crowe LLP Demo | Kincaid Health",description:"Forensic analysis of broker compensation structure revealing multi-layered revenue streams and fiduciary conflicts. Sample $500 intelligence report.",url:"https://kincaidhealth.com/reports/broker-compensation-study-demo"}),(0,a.jsxs)("div",{className:"min-h-screen bg-background",children:[(0,a.jsx)(n.V,{}),(0,a.jsxs)("section",{className:"pt-32 pb-16 bg-gradient-to-b from-background via-secondary/30 to-background relative overflow-hidden",children:[(0,a.jsx)("div",{className:"absolute inset-0 bg-[radial-gradient(ellipse_at_top,_var(--tw-gradient-stops))] from-accent/10 via-trans

1parent to-transparent"}),(0,a.jsx)("div",{className:"container mx-auto px-6 relative z-10",children:(0,a.jsxs)("div",{className:"max-w-4xl mx-auto text-center",children:[(0,a.jsx)(x.P.div,{initial:{opacity:0,y:20},animate:{opacity:1,y:0},children:(0,a.jsxs)(d.E,{variant:"outline",className:"border-primary text-primary mb-6 animate-pulse",children:[(0,a.jsx)(N.A,{className:"w-3 h-3 mr-1"}),"Interactive Demo Report"]})}),(0,a.jsx)(x.P.h1,{initial:{opacity:0,y:20},animate:{opacity:1,y:0},transition:{delay:.1},className:"text-5xl md:text-6xl font-serif font-semibold mb-6 bg-gradient-to-r from-foreground via-primary to-foreground bg-clip-text text-transparent",children:"Broker Compensation Study"}),(0,a.jsx)(x.P.p,{initial:{opacity:0,y:20},animate:{opacity:1,y:0},transition:{delay:.2},className:"text-xl text-foreground/70 mb-8",children:"Forensic archaeology of Crowe LLP revealing multi-layered revenue streams, undisclosed conflicts, and fiduciary gaps"}),(0,a.jsxs)(x.P.div,{initial:{opacity:0,y:20},animate:{opacity:1,y:0},transition:{delay:.3},className:"flex flex-wrap gap-6 justify-center mb-8",children:[(0,a.jsxs)("div",{className:"flex items-center gap-2",children:[(0,a.jsx)(b.A,{className:"w-5 h-5 text-primary"}),(0,a.jsx)("span",{className:"text-foreground/80",children:"Crowe LLP"})]}),(0,a.jsxs)("div",{className:"flex items-center gap-2",children:[(0,a.jsx)(f.A,{className:"w-5 h-5 text-primary"}),(0,a.jsx)("span",{className:"text-foreground/80",children:"DOL-Verified"})]}),(0,a.jsxs)("div",{className:"flex items-center gap-2",children:[(0,a.jsx)(p.A,{className:"w-5 h-5 text-primary"}),(0,a.jsx)("span",{className:"text-foreground/80",children:"Complete Evidence Trail"})]})]}),(0,a.jsxs)(x.P.div,{initial:{opacity:0,y:20},animate:{opacity:1,y:0},transition:{delay:.4},className:"flex flex-col sm:flex-row gap-4 justify-center",children:[(0,a.jsxs)(l.$,{size:"lg",className:"bg-gradient-to-r from-primary to-accent hover:from-primary/90 hover:to-accent/90 shadow-[0_0_30px_rgba(198,111,34,0.3)] hover:shadow-[0_0_40px_rgba(198,111,34,0.5)] transition-all",onClick:()=>window.open("/KincaidIQ_BrokerCompensationStudy_350921680_CROWE_LLP.pdf","_blank"),children:[(0,a.jsx)(w.A,{className:"w-5 h-5 mr-2"}),"Download Full PDF Report"]}),(0,a.jsx)(l.$,{size:"lg",variant:"outline",className:"border-primary text-primary hover:bg-primary hover:text-white",onClick:()=>window.location.href="/pricing",children:"Order Your Custom Report"})]})]})})]}),(0,a.jsx)("section",{className:"py-12 bg-secondary/50 border-y border-primary/20",children:(0,a.jsx)("div",{className:"container mx-auto px-6",children:(0,a.jsxs)("div",{className:"grid grid-cols-2 md:grid-cols-4 gap-8 max-w-5xl mx-auto",children:[(0,a.jsxs)(x.P.div,{initial:{opacity:0,scale:.9},animate:{opacity:1,scale:1},transition:{delay:.1},whileHover:{y:-4},className:"text-center",children:[(0,a.jsxs)("div",{className:"text-3xl md:text-4xl font-bold text-primary mb-2",children:["$",(0,a.jsx)(S,{value:L/1e3,decimals:0}),"K"]}),(0,a.jsx)("div",{className:"text-sm text-foreground/60",children:"Total Annual Compensation"})]}),(0,a.jsxs)(x.P.div,{initial:{opacity:0,scale:.9},animate:{opacity:1,scale:1},transition:{delay:.2},whileHover:{y:-4},className:"text-center",children:[(0,a.jsx)("div",{className:"text-3xl md:text-4xl font-bold text-accent mb-2",children:(0,a.jsx)(S,{value:7})}),(0,a.jsx)("div",{className:"text-sm text-foreground/60",children:"Revenue Streams Identified"})]}),(0,a.jsxs)(x.P.div,{initial:{opacity:0,scale:.9},animate:{opacity:1,scale:1},transition:{delay:.3},whileHover:{y:-4},className:"text-center",children:[(0,a.jsxs)("div",{className:"text-3xl md:text-4xl font-bold text-destructive mb-2 animate-pulse",children:["$",(0,a.jsx)(S,{value:R/1e3,decimals:0}),"K"]}),(0,a.jsx)("div",{className:"text-sm text-foreground/60",children:"Undisclosed Compensation"})]}),(0,a.jsxs)(x.P.div,{initial:{opacity:0,scale:.9},animate:{opacity:1,scale:1},transition:{delay:.4},whileHover:{y:-4},className:"text-center",children:[(0,a.jsx)("div",{className:"text-3xl md:text-4xl font-bold text-primary mb-2",children:(0,a.jsx)(S,{value:4})}

1),(0,a.jsx)("div",{className:"text-sm text-foreground/60",children:"Critical Findings"})]})]})})}),(0,a.jsx)("section",{className:"sticky top-[72px] z-40 bg-background/95 backdrop-blur-xl border-b border-primary/20",children:(0,a.jsx)("div",{className:"container mx-auto px-6",children:(0,a.jsx)("div",{className:"flex gap-1 overflow-x-auto py-4",children:s.map((s,t)=>(0,a.jsxs)(x.P.button,{initial:{opacity:0,y:-10},animate:{opacity:1,y:0},transition:{delay:.1*t},whileHover:{y:-2},whileTap:{scale:.98},onClick:()=>i(s.id),className:"flex items-center gap-2 px-6 py-3 rounded-lg whitespace-nowrap transition-all ".concat(e===s.id?"bg-primary text-white shadow-[0_0_20px_rgba(198,111,34,0.4)]":"text-foreground/70 hover:text-foreground hover:bg-secondary/50"),children:[(0,a.jsx)(s.icon,{className:"w-4 h-4"}),s.label]},s.id))})})}),(0,a.jsx)("section",{className:"py-16",children:(0,a.jsx)("div",{className:"container mx-auto px-6 max-w-6xl",children:(0,a.jsxs)(u.N,{mode:"wait",children:["overview"===e&&(0,a.jsxs)(x.P.div,{initial:{opacity:0,x:20},animate:{opacity:1,x:0},exit:{opacity:0,x:-20},transition:{duration:.3},className:"space-y-8",children:[(0,a.jsxs)("div",{children:[(0,a.jsx)("h2",{className:"text-3xl font-serif font-semibold mb-6",children:"Executive Summary"}),(0,a.jsx)(m.y,{children:(0,a.jsxs)(o.Wu,{className:"pt-6 space-y-4",children:[(0,a.jsxs)("p",{className:"text-foreground/80 leading-relaxed",children:["This forensic broker compensation study reveals a complex, multi-layered revenue structure at Crowe LLP that extends far beyond the disclosed base commission rate. Through DOL Form 5500 analysis, carrier agreement review, and business entity filings, we have identified ",(0,a.jsx)("strong",{className:"text-primary",children:"seven distinct compensation channels"})," generating a combined annual revenue of ",(0,a.jsxs)("strong",{className:"text-primary",children:["$",(L/1e3).toFixed(1),"K"]}),"."]}),(0,a.jsxs)("p",{className:"text-foreground/80 leading-relaxed",children:["Of particular concern: ",(0,a.jsxs)("strong",{className:"text-destructive",children:["$",(R/1e3).toFixed(1),"K (37.7%) of total compensation was not disclosed"]})," in the annual fee disclosure statement provided to plan sponsors. This includes carrier-paid bonuses, volume incentives, and equity returns from a captive reinsurance entity in which the broker holds ownership interest."]}),(0,a.jsx)("p",{className:"text-foreground/80 leading-relaxed",children:"The volume-based incentive structure creates a direct financial conflict: the broker's compensation increases with higher premium spend and carrier placement volume, regardless of whether those placements serve the plan's best interest. This structural misalignment raises serious fiduciary questions under ERISA Section 408(b)(2) disclosure requirements."})]})})]}),(0,a.jsxs)("div",{children:[(0,a.jsx)("h3",{className:"text-2xl font-serif font-semibold mb-4",children:"Methodology"}),(0,a.jsx)("div",{className:"grid md:grid-cols-3 gap-4",children:[{icon:f.A,title:"DOL Filing Analysis",desc:"Form 5500 Schedule A verification of reported broker compensation"},{icon:p.A,title:"Contract Review",desc:"Carrier producer agreements and bonus schedules analysis"},{icon:h.A,title:"Entity Investigation",desc:"State business filings and ownership structure archaeology"}].map((e,i)=>(0,a.jsx)(x.P.div,{initial:{opacity:0,y:20},animate:{opacity:1,y:0},transition:{delay:.1*i},whileHover:{y:-4},children:(0,a.jsx)(m.y,{className:"border-primary/30 h-full",children:(0,a.jsxs)(o.Wu,{className:"pt-6",children:[(0,a.jsx)(e.icon,{className:"w-8 h-8 text-primary mb-3"}),(0,a.jsx)("h4",{className:"font-semibold mb-2",children:e.title}),(0,a.jsx)("p",{className:"text-sm text-foreground/70",children:e.desc})]})})},i))})]})]},"overview"),"compensation"===e&&(0,a.jsxs)(x.P.div,{initial:{opacity:0,x:20},animate:{opacity:1,x:0},exit:{opacity:0,x:-20},transition:{duration:.3},className:"space-y-6",children:[(0,a.jsx)("h2",{className:"text-3xl font-serif font-semibold mb-6",children:"Revenue Stream Breakdown"}),(0,a.jsx)(m.y,{children:(0,a.jsx)(o.Wu,{className:"pt-6",children:(0,a.jsxs)("div",{className:"space-y-4",children:[F.map((e,i)=>(0,a.jsxs)(x.P.div,{initial:{opacity:0,x:-20}

1,animate:{opacity:1,x:0},transition:{delay:.1*i},whileHover:{x:4},className:"flex items-center justify-between p-4 rounded-lg bg-secondary/30 hover:bg-secondary/50 transition-colors cursor-pointer",children:[(0,a.jsxs)("div",{className:"flex-1",children:[(0,a.jsxs)("div",{className:"flex items-center gap-3 mb-1",children:[(0,a.jsx)("h4",{className:"font-semibold",children:e.stream}),e.verified&&(0,a.jsx)(A.A,{className:"w-4 h-4 text-accent"})]}),(0,a.jsx)("p",{className:"text-sm text-foreground/60",children:e.source})]}),(0,a.jsxs)("div",{className:"text-right",children:[(0,a.jsxs)("div",{className:"text-xl font-bold text-primary",children:["$",(0,a.jsx)(S,{value:e.amount,decimals:0,duration:1500})]}),(0,a.jsx)(d.E,{variant:"Disclosed"===e.disclosure?"outline":"Partial"===e.disclosure?"secondary":"destructive",className:"text-xs",children:e.disclosure})]})]},i)),(0,a.jsxs)(x.P.div,{initial:{opacity:0,scale:.95},animate:{opacity:1,scale:1},transition:{delay:.8},whileHover:{scale:1.02},className:"flex items-center justify-between p-6 rounded-lg bg-primary/10 border-2 border-primary",children:[(0,a.jsxs)("div",{children:[(0,a.jsx)("h4",{className:"font-semibold text-lg",children:"Total Annual Compensation"}),(0,a.jsx)("p",{className:"text-sm text-foreground/60",children:"All revenue streams combined"})]}),(0,a.jsxs)("div",{className:"text-3xl font-bold text-primary",children:["$",(0,a.jsx)(S,{value:L,decimals:0,duration:2e3})]})]})]})})})]},"compensation"),"findings"===e&&(0,a.jsxs)(x.P.div,{initial:{opacity:0,x:20},animate:{opacity:1,x:0},exit:{opacity:0,x:-20},transition:{duration:.3},className:"space-y-6",children:[(0,a.jsx)("h2",{className:"text-3xl font-serif font-semibold mb-6",children:"Key Findings"}),(0,a.jsx)("div",{className:"space-y-4",children:E.map((e,i)=>(0,a.jsx)(x.P.div,{initial:{opacity:0,y:20},animate:{opacity:1,y:0},transition:{delay:.1*i},whileHover:{y:-4},children:(0,a.jsx)(m.y,{className:"border-l-4 ".concat("critical"===e.severity?"border-destructive":"border-accent"),children:(0,a.jsx)(o.Wu,{className:"pt-6",children:(0,a.jsxs)("div",{className:"flex items-start gap-4",children:[(0,a.jsx)("div",{className:"p-3 rounded-lg ".concat("critical"===e.severity?"bg-destructive/10":"bg-accent/10"),children:(0,a.jsx)(e.icon,{className:"w-6 h-6 ".concat("critical"===e.severity?"text-destructive":"text-accent")})}),(0,a.jsxs)("div",{className:"flex-1",children:[(0,a.jsxs)("div",{className:"flex items-start justify-between mb-2",children:[(0,a.jsx)("h3",{className:"font-semibold text-lg",children:e.title}),(0,a.jsx)(d.E,{variant:"critical"===e.severity?"destructive":"secondary",children:"critical"===e.severity?"Critical":"High Risk"})]}),(0,a.jsxs)("div",{className:"space-y-2",children:[(0,a.jsxs)("div",{className:"bg-secondary/30 rounded p-3",children:[(0,a.jsx)("div",{className:"text-sm text-foreground/60 mb-1",children:"Finding:"}),(0,a.jsx)("div",{className:"font-medium",children:e.finding})]}),(0,a.jsxs)("div",{className:"bg-secondary/30 rounded p-3",children:[(0,a.jsx)("div",{className:"text-sm text-foreground/60 mb-1",children:"Impact:"}),(0,a.jsx)("div",{className:"text-foreground/90",children:e.impact})]})]})]})]})})})},i))})]},"findings"),"fiduciary"===e&&(0,a.jsxs)(x.P.div,{initial:{opacity:0,x:20},animate:{opacity:1,x:0},exit:{opacity:0,x:-20},transition:{duration:.3},className:"space-y-6",children:[(0,a.jsx)("h2",{className:"text-3xl font-serif font-semibold mb-6",children:"Fiduciary Risk Analysis"}),(0,a.jsx)(m.y,{children:(0,a.jsxs)(o.Wu,{className:"pt-6 space-y-6",children:[(0,a.jsx)("div",{className:"prose prose-invert max-w-none",children:(0,a.jsx)("p",{className:"text-foreground/80 leading-relaxed",children:"Under ERISA Section 408(b)(2), service providers must disclose all direct and indirect compensation related to plan services. This forensic analysis reveals material gaps between the compensation actually received and what was disclosed to plan fiduciaries."})}),(0,a.jsxs)("div",{className:"space-y-4",children:[(0,a.jsx)(x.P.div,{initial:{opacity:0,x:-20},animate:{opacity:1,x:0},whileHover:{x:4},className:"p-4 bg-destructive/10 border-l-4 border-destructive rounded",children:(0,a.jsxs)("div",{className:"flex items-start gap-3",children:[(0,a.jsx)(x.P.div,{animate:{scale:[1,1.2,1]},transition:{repeat:1/0,duration:2},children:(0,a.jsx)(g.A,{className:"w-6 h-6 text-destructive mt-1"})}),(0,a.jsxs)("div",{children:[(0,a.jsx)("h4",{className:"font-semibold text-lg mb-2",children:"408(b)(2) Disclosure Gap"}

1),(0,a.jsxs)("p",{className:"text-foreground/80 mb-3",children:["37.7% of total compensation ($",(0,a.jsx)(S,{value:R,decimals:0,duration:1500}),") was not disclosed in the annual fee disclosure statement. This includes:"]}),(0,a.jsxs)("ul",{className:"space-y-2 text-sm text-foreground/70",children:[(0,a.jsxs)("li",{className:"flex items-center gap-2",children:[(0,a.jsx)(C.A,{className:"w-4 h-4 text-destructive"}),"Carrier-paid bonuses and volume incentives"]}),(0,a.jsxs)("li",{className:"flex items-center gap-2",children:[(0,a.jsx)(C.A,{className:"w-4 h-4 text-destructive"}),"Contingent commission arrangements"]}),(0,a.jsxs)("li",{className:"flex items-center gap-2",children:[(0,a.jsx)(C.A,{className:"w-4 h-4 text-destructive"}),"Equity returns from captive reinsurance entity"]})]})]})]})}),(0,a.jsx)(x.P.div,{initial:{opacity:0,x:-20},animate:{opacity:1,x:0},transition:{delay:.1},whileHover:{x:4},className:"p-4 bg-accent/10 border-l-4 border-accent rounded",children:(0,a.jsxs)("div",{className:"flex items-start gap-3",children:[(0,a.jsx)(P.A,{className:"w-6 h-6 text-accent mt-1"}),(0,a.jsxs)("div",{children:[(0,a.jsx)("h4",{className:"font-semibold text-lg mb-2",children:"Structural Conflict of Interest"}),(0,a.jsx)("p",{className:"text-foreground/80 mb-3",children:"The compensation structure creates direct financial incentives misaligned with plan sponsor interests:"}),(0,a.jsxs)("ul",{className:"space-y-2 text-sm text-foreground/70",children:[(0,a.jsxs)("li",{className:"flex items-center gap-2",children:[(0,a.jsx)(C.A,{className:"w-4 h-4 text-accent"}),"Higher premiums = higher base commissions"]}),(0,a.jsxs)("li",{className:"flex items-center gap-2",children:[(0,a.jsx)(C.A,{className:"w-4 h-4 text-accent"}),"Volume-based overrides reward carrier placement quantity over quality"]}),(0,a.jsxs)("li",{className:"flex items-center gap-2",children:[(0,a.jsx)(C.A,{className:"w-4 h-4 text-accent"}),"Captive entity ownership creates dual economic interest in plan spend"]})]})]})]})}),(0,a.jsx)(x.P.div,{initial:{opacity:0,x:-20},animate:{opacity:1,x:0},transition:{delay:.2},whileHover:{x:4},className:"p-4 bg-primary/10 border-l-4 border-primary rounded",children:(0,a.jsxs)("div",{className:"flex items-start gap-3",children:[(0,a.jsx)(y.A,{className:"w-6 h-6 text-primary mt-1"}),(0,a.jsxs)("div",{children:[(0,a.jsx)("h4",{className:"font-semibold text-lg mb-2",children:"Fiduciary Duty Implications"}),(0,a.jsx)("p",{className:"text-foreground/80",children:"Plan fiduciaries have a duty to understand and monitor all compensation flowing to service providers. Material non-disclosure may trigger ERISA prohibited transaction concerns and personal fiduciary liability exposure."})]})]})})]})]})})]},"fiduciary"),"evidence"===e&&(0,a.jsxs)(x.P.div,{initial:{opacity:0,x:20},animate:{opacity:1,x:0},exit:{opacity:0,x:-20},transition:{duration:.3},className:"space-y-6",children:[(0,a.jsxs)("div",{className:"mb-8",children:[(0,a.jsx)("h2",{className:"text-3xl font-serif font-semibold mb-4",children:"See the Evidence for Yourself"}),(0,a.jsx)("p",{className:"text-foreground/70 text-lg leading-relaxed",children:"Every finding in this report is backed by verifiable source documents. Below is the complete evidence trail showing exactly where each piece of intelligence was derived. This is forensic-grade documentation—n

1ot consulting opinions."})]}),(0,a.jsxs)(m.y,{className:"border-primary/30",children:[(0,a.jsxs)(o.aR,{children:[(0,a.jsxs)(o.ZB,{className:"text-2xl font-serif flex items-center gap-3",children:[(0,a.jsx)(f.A,{className:"w-6 h-6 text-primary"}),"Complete Evidence Documentation"]}),(0,a.jsx)("p",{className:"text-foreground/60",children:"Full verification trail with source citations and document references"})]}),(0,a.jsx)(o.Wu,{className:"space-y-4",children:D.map((e,i)=>(0,a.jsx)(x.P.div,{initial:{opacity:0,y:20},animate:{opacity:1,y:0},transition:{delay:.1*i},whileHover:{x:4,scale:1.01},className:"p-5 rounded-lg bg-secondary/40 border border-primary/20 hover:border-primary/40 hover:bg-secondary/60 transition-all cursor-pointer",children:(0,a.jsxs)("div",{className:"flex items-start gap-4",children:[(0,a.jsx)("div",{className:"flex-shrink-0",children:(0,a.jsx)(x.P.div,{initial:{scale:0},animate:{scale:1},transition:{delay:.2+.1*i,type:"spring"},className:"w-12 h-12 rounded-lg bg-primary/20 flex items-center justify-center",children:e.verified?(0,a.jsx)(A.A,{className:"w-6 h-6 text-primary"}):(0,a.jsx)(p.A,{className:"w-6 h-6 text-primary"})})}),(0,a.jsxs)("div",{className:"flex-1 min-w-0",children:[(0,a.jsxs)("div",{className:"flex items-start justify-between gap-4 mb-2",children:[(0,a.jsx)("h4",{className:"font-semibold text-lg text-foreground",children:e.source}),e.verified&&(0,a.jsxs)(d.E,{variant:"outline",className:"border-accent text-accent flex-shrink-0",children:[(0,a.jsx)(A.A,{className:"w-3 h-3 mr-1"}),"Verified"]})]}),(0,a.jsxs)("div",{className:"space-y-2",children:[(0,a.jsxs)("div",{className:"bg-background/50 rounded p-3",children:[(0,a.jsx)("div",{className:"text-xs text-foreground/50 uppercase tracking-wide mb-1",children:"Finding"}),(0,a.jsx)("div",{className:"text-sm font-medium text-foreground/90",children:e.finding})]}),(0,a.jsxs)("div",{className:"bg-background/50 rounded p-3",children:[(0,a.jsx)("div",{className:"text-xs text-foreground/50 uppercase tracking-wide mb-1",children:"Citation"}),(0,a.jsx)("div",{className:"text-sm text-foreground/70 font-mono",children:e.citation})]})]})]})]})},i))})]}),(0,a.jsx)(x.P.div,{initial:{opacity:0,y:20},animate:{opacity:1,y:0},transition:{delay:.6},children:(0,a.jsx)(m.y,{className:"bg-gradient-to-br from-primary/5 to-accent/5 border-primary/30",children:(0,a.jsx)(o.Wu,{className:"pt-6",children:(0,a.jsxs)("div",{className:"flex items-start gap-4",children:[(0,a.jsx)("div",{className:"p-3 rounded-lg bg-primary/20",children:(0,a.jsx)(k.A,{className:"w-6 h-6 text-primary"})}),(0,a.jsxs)("div",{className:"flex-1",children:[(0,a.jsx)("h4",{className:"font-semibold text-lg mb-2",children:"Verification Standards"}),(0,a.jsx)("p",{className:"text-foreground/80 leading-relaxed mb-4",children:"Every data point in this report can be independently verified through public filings, disclosed agreements, or business entity records. We provide exact document citations, line item references, and filing dates so plan fiduciaries can audit our work."}),(0,a.jsx)("div",{className:"grid md:grid-cols-3 gap-4",children:[{label:"DOL Verified",value:"100%",icon:f.A},{label:"Source Documents",value:"5",icon:p.A},{label:"Verified Claims",value:D.filter(e=>e.verified).length,icon:A.A}].map((e,i)=>(0,a.jsxs)(x.P.div,{initial:{opacity:0,scale:.9},animate:{opacity:1,scale:1},transition:{delay:.7+.1*i},whileHover:{scale:1.05},className:"bg-secondary/50 rounded-lg p-4 text-center border border-primary/20",children:[(0,a.jsx)(e.icon,{className:"w-5 h-5 text-primary mx-auto mb-2"}),(0,a.jsx)("div",{className:"text-2xl font-bold text-primary mb-1",children:(e.value,e.value)}),(0,a.jsx)("div",{className:"text-xs text-foreground/60",children:e.label})]},i))})]})]})})})})]},"evidence")]})})}),(0,a.jsx)("section",{className:"py-16 bg-secondary/30",children:(0,a.jsx)("div",{className:"container mx-auto px-6",children:(0,a.jsx)(x.P.div,{initial:{opacity:0,y:20},whileInView:{opacity:1,y:0},viewport:{once:!0},children:(0,a.jsxs)(m.y,{className:"max-w-4xl mx-auto border-primary/20 bg-gradient-to-br from-secondary/50 to-secondary/30 backdrop-blur-sm relative overflow-hidden",children:[(0,a.jsx)("div",{className:"absolute inset-0 bg-[radial-gradient(ellipse_at_top,_var(--tw-gradient-stops))] from-primary/10 via-trans

1parent to-transparent"}),(0,a.jsxs)(o.Wu,{className:"pt-8 pb-8 relative z-10 text-center space-y-6",children:[(0,a.jsxs)("div",{className:"flex items-center justify-center gap-2 mb-4",children:[(0,a.jsx)(_.A,{className:"w-6 h-6 text-primary"}),(0,a.jsx)("h2",{className:"text-3xl font-serif font-semibold",children:"Order Your Custom Broker Compensation Study"})]}),(0,a.jsx)("p",{className:"text-foreground/70 max-w-2xl mx-auto",children:"Get forensic-grade analysis of your broker's compensation structure with complete evidence documentation. $500 flat fee, 24-hour delivery."}),(0,a.jsxs)("div",{className:"flex flex-col sm:flex-row gap-4 justify-center",children:[(0,a.jsxs)(l.$,{size:"lg",className:"bg-gradient-to-r from-primary to-accent hover:from-primary/90 hover:to-accent/90 shadow-[0_0_30px_rgba(198,111,34,0.3)] hover:shadow-[0_0_40px_rgba(198,111,34,0.5)] transition-all",onClick:()=>window.location.href="/pricing",children:[(0,a.jsx)(v.A,{className:"w-5 h-5 mr-2"}),"Order Custom Report - $500"]}),(0,a.jsxs)(l.$,{size:"lg",variant:"outline",className:"border-primary text-primary hover:bg-primary hover:text-white",onClick:()=>window.open("/KincaidIQ_BrokerCompensationStudy_350921680_CROWE_LLP.pdf","_blank"),children:[(0,a.jsx)(w.A,{className:"w-5 h-5 mr-2"}),"Download Full PDF"]})]})]})]})})})}),(0,a.jsx)(c.w,{})]})]})}},6423:(e,i,s)=>{"use strict";s.d(i,{E:()=>c});var a=s(7876);s(4232);var t=s(7137),r=s(5565);let n=(0,t.F)("inline-flex items-center rounded-md border px-2.5 py-0.5 text-xs font-semibold transition-colors focus:outline-none focus:ring-2 focus:ring-ring focus:ring-offset-2",{variants:{variant:{default:"border-transparent bg-primary text-primary-foreground shadow hover:bg-primary/80",secondary:"border-transparent bg-secondary text-secondary-foreground hover:bg-secondary/80",destructive:"border-transparent bg-destructive text-destructive-foreground shadow hover:bg-destructive/80",outline:"text-foreground"}},defaultVariants:{variant:"default"}});function c(e){let{className:i,variant:s,...t}=e;return(0,a.jsx)("div",{className:(0,r.cn)(n({variant:s}),i),...t})}}},e=>{e.O(0,[5695,4256,7988,1417,2704,636,6593,8792],()=>e(e.s=4812)),_N_E=e.O()}]);