Welfare broker

HEATHER GARDERE

Mailing address (most recent filing)

7951 CARUTH COURT

DALLAS, TX 75225

Total comp: $115K
Commissions: $115K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

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

PRIORITY HEALTH50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PRIORITY HEALTH	1	$3.5M	50.0%
BLUE CROSS OF CALIFORNIA	1	$1.0M	50.0%

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
TN	1	$1.0M	0.1%	32.46x
MI	1	$3.5M	0.0%	20.58x

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 HEATHER GARDERE's plans by broker comp / premium ratio. Median 4.72% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where HEATHER GARDERE is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CORIUM INNOVATIONS INC. CORIUM INNOVATIONS INC HEALTH & WELFARE BENEFIT PLAN	MI	$3.5M	$90K	PRIORITY HEALTH
MILLS PRODUCTS, LLC MILLS PRODUCTS, LLC EMPLOYEE BENEFITS PLAN	TN	$1.0M	$70K	BLUECROSS BLUESHIELD OF TENNESSEE, INC.

Carrier

Plans

Premium

PRIORITY HEALTH

$3.5M

50.0%

BLUE CROSS OF CALIFORNIA

$1.0M

50.0%

State

Plans

Premium

State share

Index

$1.0M

0.1%

32.46x

$3.5M

0.0%

20.58x

Sponsor

Loc

Premium

Comp

Carrier

CORIUM INNOVATIONS INC.

CORIUM INNOVATIONS INC HEALTH & WELFARE BENEFIT PLAN

$3.5M

$90K

PRIORITY HEALTH

MILLS PRODUCTS, LLC

MILLS PRODUCTS, LLC EMPLOYEE BENEFITS PLAN

$1.0M

$70K

BLUECROSS BLUESHIELD OF TENNESSEE, INC.