Welfare broker

CLARIBEN INSURANCE AGENCY

Mailing address (most recent filing)

7322 SOUTHWEST FREEWAY

SUITE 1777

HOUSTON, TX 77074

Total comp: $818K
Commissions: $645K
Fees: $173K
Filings: 6
Sponsors: 6

Carrier mix

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

METROPOLITAN LIFE INSURANCE COMPANY33.3%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA33.3%
BLUE CROSS OF CALIFORNIA33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
METROPOLITAN LIFE INSURANCE COMPANY	1	$2.5M	33.3%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$481K	33.3%
BLUE CROSS OF CALIFORNIA	1	$56.0M	33.3%

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	2	$56.4M	0.0%	11.14x
NC	1	$2.5M	0.0%	15.91x

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 CLARIBEN INSURANCE AGENCY's plans by broker comp / premium ratio. Median 17.39% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where CLARIBEN INSURANCE AGENCY is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
EMPLOYER FLEXIBLE HR, LLC EMPLOYER FLEXIBLE HR EMPLOYEE WELFARE BENEFITS PLAN	TX	$56.0M	$467K	BLUE CROSS BLUE SHIELD OF TEXAS
UNITED UTILITY SERVICES, LLC UNITED UTILITY SERVICES, LLC HEALTH AND WELFARE PLAN	NC	$2.5M	$443K	METROPOLITAN LIFE INSURANCE COMPANY
GREATER HOUSTON ALL-PRO AUTO INTERIORS, LLC GREATER HOUSTON ALL-PRO AUTO INTERIORS, LLC DBA ALL-PRO AUTO RECONDITIONING	TX	$481K	$103K	GUARDIAN

Carrier

Plans

Premium

METROPOLITAN LIFE INSURANCE COMPANY

$2.5M

33.3%

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

$481K

33.3%

BLUE CROSS OF CALIFORNIA

$56.0M

33.3%

State

Plans

Premium

State share

Index

$56.4M

0.0%

11.14x

$2.5M

0.0%

15.91x

Sponsor

Loc

Premium

Comp

Carrier

EMPLOYER FLEXIBLE HR, LLC

EMPLOYER FLEXIBLE HR EMPLOYEE WELFARE BENEFITS PLAN

$56.0M

$467K

BLUE CROSS BLUE SHIELD OF TEXAS

UNITED UTILITY SERVICES, LLC

UNITED UTILITY SERVICES, LLC HEALTH AND WELFARE PLAN

$2.5M

$443K

METROPOLITAN LIFE INSURANCE COMPANY

GREATER HOUSTON ALL-PRO AUTO INTERIORS, LLC

GREATER HOUSTON ALL-PRO AUTO INTERIORS, LLC DBA ALL-PRO AUTO RECONDITIONING

$481K

$103K

GUARDIAN