Welfare broker

HRO BENEFIT ADVISORS LLC

Mailing address (most recent filing)

3120 SOUTHWEST FWY

STE 101 194053 PMB

HOUSTON, TX 77098

Total comp: $152K
Commissions: $140K
Fees: $12K
Filings: 4
Sponsors: 4

Carrier mix

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

HARTFORD LIFE AND ACCIDENT50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HARTFORD LIFE AND ACCIDENT	1	$169K	50.0%
BLUE CROSS OF CALIFORNIA	1	$1.4M	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
TX	1	$1.4M	0.0%	8.36x
CA	1	$169K	0.0%	6.38x

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 HRO BENEFIT ADVISORS LLC's plans by broker comp / premium ratio. Median 9.69% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where HRO BENEFIT ADVISORS LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
INTOWN HOMES, LTD INTOWN HOMES, LTD HEALTH & WELFARE PLAN	TX	$1.4M	$72K	BLUE CROSS BLUE SHIELD OF TEXAS
STRATA INFORMATION GROUP, INC. STRATA INFORMATION GROUP'S EMPLOYEE BENEFIT PLAN	CA	$169K	$24K	HARTFORD LIFE AND ACCIDENT

Carrier

Plans

Premium

HARTFORD LIFE AND ACCIDENT

$169K

50.0%

BLUE CROSS OF CALIFORNIA

$1.4M

50.0%

State

Plans

Premium

State share

Index

$1.4M

0.0%

8.36x

$169K

0.0%

6.38x

Sponsor

Loc

Premium

Comp

Carrier

INTOWN HOMES, LTD

INTOWN HOMES, LTD HEALTH & WELFARE PLAN

$1.4M

$72K

BLUE CROSS BLUE SHIELD OF TEXAS

STRATA INFORMATION GROUP, INC.

STRATA INFORMATION GROUP'S EMPLOYEE BENEFIT PLAN

$169K

$24K

HARTFORD LIFE AND ACCIDENT