Welfare broker

HPHG LLC

Mailing address (most recent filing)

4401 82ND ST., STE 1200

LUBBOCK, TX 79424

Total comp: $361K
Commissions: $315K
Fees: $46K
Filings: 3
Sponsors: 3

Carrier mix

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

FAIR AMERICAN INSURANCE AND REINSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
FAIR AMERICAN INSURANCE AND REINSURANCE COMPANY	1	$362K	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	$362K	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 HPHG LLC's plans by broker comp / premium ratio. Median 37.37% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
CHRISTOPHER J. FINNILA, M.D., F.A.C.P. MEDICAL CLINIC OF HOUSTON MEDICAL CLINIC OF HOUSTON MEDICAL BENEFIT PLAN	TX	$362K	$135K	FAIR AMERICAN INSURANCE AND REINSURANCE COMPANY