Welfare broker

AFORE INSURANCE SERVICES LLC

Mailing address (most recent filing)

11844 BANDERA RD # 429

HELOTES, TX 78023

Total comp: $41K
Commissions: $35K
Fees: $6K
Filings: 12
Sponsors: 12

Carrier mix

Where AFORE INSURANCE SERVICES LLC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY	12	$370K	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	12	$370K	0.5%	46.37x

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 AFORE INSURANCE SERVICES LLC's plans by broker comp / premium ratio. Median 16.41% vs welfare-wide median 6.29% (n=12).

Prospect-flag exposure · vs market baseline

Share of AFORE INSURANCE SERVICES LLC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-12 of 12 sponsors where AFORE INSURANCE SERVICES LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
BERLITZ CORPORATION BERLITZ CORPORATION GROUP INSURANCE PLAN	NJ	$196K	$31K	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY
ELS EDUCATIONAL SERVICES ELS EDUCATIONAL SERVICES WELFARE AND BENEFITS LTD	NJ	$54K	$9K	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY
ELS EDUCATIONAL SERVICES ELS EDUCATIONAL SERVICES WELFARE AND BENEFITS LTD	NJ	$20K	$3K	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY
ELS EDUCATIONAL SERVICES ELS EDUCATIONAL SERVICES WELFARE AND BENEFITS LTD	NJ	$20K	$3K	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY
ELS EDUCATIONAL SERVICES ELS EDUCATIONAL SERVICES WELFARE AND BENEFITS ADD	NJ	$15K	$3K	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY
ELS EDUCATIONAL SERVICES ELS EDUCATIONAL SERVICES WELFARE AND BENEFITS LTD	NJ	$15K	$2K	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY
ELS EDUCATIONAL SERVICES ELS EDUCATIONAL SERVICES WELFARE AND BENEFITS LTD	NJ	$15K	$2K	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY
ELS EDUCATIONAL SERVICES ELS EDUCATIONAL SERVICES WELFARE AND BENEFITS LTD	NJ	$10K	$2K	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY
ELS EDUCATIONAL SERVICES ELS EDUCATIONAL SERVICES WELFARE AND BENEFITS ACC	NJ	$6K	$1K	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY
ELS EDUCATIONAL SERVICES ELS EDUCATIONAL SERVICES WELFARE AND BENEFITS ADD	NJ	$8K	$906	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY
ELS EDUCATIONAL SERVICES ELS EDUCATIONAL SERVICES WELFARE AND BENEFITS LTD	NJ	$7K	$723	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY
ELS EDUCATIONAL SERVICES ELS EDUCATIONAL SERVICES WELFARE AND BENEFITS LTD	NJ	$4K	$591	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY