Welfare broker

CARLOS D ESPINOSA

Mailing address (most recent filing)

17827 PUMPKIN VINE DR

HOCKLEY, TX 77447

Total comp: $147K
Commissions: $146K
Fees: $423
Filings: 14
Sponsors: 14

Carrier mix

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

QBE INSURANCE100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
QBE INSURANCE	1	$2.1M	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
TX	1	$2.1M	0.0%	16.72x

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 CARLOS D ESPINOSA's plans by broker comp / premium ratio. Median 26.07% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where CARLOS D ESPINOSA is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
SOUTHEAST TEXAS INDUSTRIES, INC. SOUTHEAST TEXAS INDUSTRIES, INC. WRAP PLAN	TX	$2.1M	$560K	QBE INSURANCE