Welfare broker

HR BENEFITS

Mailing address (most recent filing)

10446 NE 31ST TER

DORAL, FL 33172

Total comp: $59K
Commissions: $30K
Fees: $29K
Filings: 4
Sponsors: 4

Carrier mix

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

AETNA LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
AETNA LIFE INSURANCE COMPANY	1	$635K	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
FL	1	$635K	0.0%	25.39x

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 HR BENEFITS's plans by broker comp / premium ratio. Median 5.78% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where HR BENEFITS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
UNIVIDA MEDICAL CENTER UNIVIDA MEDICAL CENTER EMPLOYEE WELFARE BENEFIT PLAN	FL	$635K	$37K	AETNA