Welfare broker

COMBINED INDEPENDENT AGENCIES

Mailing address (most recent filing)

14785 PRESTON ROAD, SUITE 350

DALLAS, TX 75254

Total comp: $193K
Commissions: $99K
Fees: $93K
Filings: 20
Sponsors: 20

Carrier mix

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

OLD REPUBLIC UNION INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
OLD REPUBLIC UNION INSURANCE COMPANY	2	$233K	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
VA	1	$99K	0.0%	22.94x
TX	1	$135K	0.0%	8.36x

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 COMBINED INDEPENDENT AGENCIES's plans by broker comp / premium ratio. Median 24.51% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where COMBINED INDEPENDENT AGENCIES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
LEWIS FOOD TOWN, INC. VOLUNTARY OCCUPATIONAL INJURY SUPPORT PLAN	TX	$135K	$32K	OLD REPUBLIC UNION INSURANCE COMPANY
THE MEDICAL TEAM, INC. THE MEDICAL TEAM, INC. TEXAS WORKERS COMP.	VA	$99K	$25K	OLD REPUBLIC UNION INSURANCE COMPANY

Carrier

Plans

Premium

OLD REPUBLIC UNION INSURANCE COMPANY

$233K

100.0%

State

Plans

Premium

State share

Index

$99K

0.0%

22.94x

$135K

0.0%

8.36x

Sponsor

Loc

Premium

Comp

Carrier

LEWIS FOOD TOWN, INC.

VOLUNTARY OCCUPATIONAL INJURY SUPPORT PLAN

$135K

$32K

OLD REPUBLIC UNION INSURANCE COMPANY

THE MEDICAL TEAM, INC.

THE MEDICAL TEAM, INC. TEXAS WORKERS COMP.

$99K

$25K

OLD REPUBLIC UNION INSURANCE COMPANY