Welfare broker

HEATHER R BOWERS

Mailing address (most recent filing)

8721 5TH ST

FRISCO, TX 75034

Total comp: $296
Commissions: $296
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

HUMANA INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HUMANA INSURANCE COMPANY	1	$2K	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	$2K	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 HEATHER R BOWERS's plans by broker comp / premium ratio. Median 15.02% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where HEATHER R BOWERS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
RED DOOR EXPERIENCES, LLC RED DOOR EXPERIENCES, LLC WELFARE BENEFIT PLAN	TX	$2K	$351	HUMANA INSURANCE COMPANY