Welfare broker

EMPYREAN INSURANCE SERVICES, INC.

Mailing address (most recent filing)

2103 CITYWEST BLVD.

STE 200

HOUSTON, TX 77042

Total comp: $4.7M
Commissions: $475K
Fees: $4.2M
Filings: 121
Sponsors: 121

Carrier mix

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

RELIASTAR LIFE INSURANCE COMPANY33.3%
METROPOLITAN LIFE INSURANCE COMPANY33.3%
AETNA LIFE INSURANCE COMPANY33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
RELIASTAR LIFE INSURANCE COMPANY	1	$388K	33.3%
METROPOLITAN LIFE INSURANCE COMPANY	1	$19.6M	33.3%
AETNA LIFE INSURANCE COMPANY	1	$52.7M	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	1	$19.6M	0.0%	5.57x
GA	1	$52.7M	0.0%	5.06x
CT	1	$388K	0.1%	34.57x

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 EMPYREAN INSURANCE SERVICES, INC.'s plans by broker comp / premium ratio. Median 1.85% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where EMPYREAN INSURANCE SERVICES, INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
FLOOR AND DECOR OUTLETS OF AMERICA, INC. FLOOR AND DECOR OUTLETS OF AMERICA, INC. WELFARE BENEFITS PLAN	GA	$52.7M	$871K	AETNA LIFE INSURANCE CO.
LYONDELL CHEMICAL COMPANY LYONDELLBASELL GROUP WELFARE BENEFITS PLAN	TX	$19.6M	$534K	METROPOLITAN LIFE INSURANCE COMPANY
PRECISION RESOURCE INC. GROUP LIFE AND HEALTH INSURANCE PLANS FOR EMPLOYEES OF PRECISION RESOURCE INC.	CT	$388K	$7K	RELIASTAR LIFE INSURANCE COMPANY

Carrier

Plans

Premium

RELIASTAR LIFE INSURANCE COMPANY

$388K

33.3%

METROPOLITAN LIFE INSURANCE COMPANY

$19.6M

33.3%

AETNA LIFE INSURANCE COMPANY

$52.7M

33.3%

State

Plans

Premium

State share

Index

$19.6M

0.0%

5.57x

$52.7M

0.0%

5.06x

$388K

0.1%

34.57x

Sponsor

Loc

Premium

Comp

Carrier

FLOOR AND DECOR OUTLETS OF AMERICA, INC.

FLOOR AND DECOR OUTLETS OF AMERICA, INC. WELFARE BENEFITS PLAN

$52.7M

$871K

AETNA LIFE INSURANCE CO.

LYONDELL CHEMICAL COMPANY

LYONDELLBASELL GROUP WELFARE BENEFITS PLAN

$19.6M

$534K

METROPOLITAN LIFE INSURANCE COMPANY

PRECISION RESOURCE INC.

GROUP LIFE AND HEALTH INSURANCE PLANS FOR EMPLOYEES OF PRECISION RESOURCE INC.

$388K

$7K

RELIASTAR LIFE INSURANCE COMPANY