Welfare broker

HERITAGE-RM LLC

Mailing address (most recent filing)

5241 98TH ST

LUBBOCK, TX 794244494

Total comp: $110K
Commissions: $95K
Fees: $15K
Filings: 8
Sponsors: 8

Carrier mix

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

LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON	1	$248K	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	$248K	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 HERITAGE-RM LLC's plans by broker comp / premium ratio. Median 3.80% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where HERITAGE-RM LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
NORTON ENERGY DRILLING LLC NORTON ENERGY DRILLING LLC	TX	$248K	$9K	IRONSHORE INDEMNITY INC.