Welfare broker

HUSTON FINANCIAL SERVICES INC

Mailing address (most recent filing)

1601 TIFFIN AVE

FINDLAY, OH 45840

Total comp: $135K
Commissions: $135K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

Where HUSTON FINANCIAL SERVICES INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

MEDICAL MUTUAL50.0%
COMMUNITY INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
MEDICAL MUTUAL	1	$3.1M	50.0%
COMMUNITY INSURANCE COMPANY	1	$2.8M	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
OH	2	$5.9M	0.0%	7.72x

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 HUSTON FINANCIAL SERVICES INC's plans by broker comp / premium ratio. Median 2.51% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of HUSTON FINANCIAL SERVICES INC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where HUSTON FINANCIAL SERVICES INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ORTHOPAEDIC INSTITUTE OF OHIO, INC ORTHOPAEDIC INSTITUTE OF OHIO, INC GROUP INSURANCE PLAN	OH	$2.8M	$89K	COMMUNITY INSURANCE COMPANY
WEST CENTRAL OHIO GROUP LTD WCOG-INSTITUTE FOR ORTHOPAEDIC SURGERY GROUP INSURANCE PLAN	OH	$3.1M	$58K	MEDICAL MUTUAL

Carrier

Plans

Premium

MEDICAL MUTUAL

$3.1M

50.0%

COMMUNITY INSURANCE COMPANY

$2.8M

50.0%

State

Plans

Premium

State share

Index

$5.9M

0.0%

7.72x

Sponsor

Loc

Premium

Comp

Carrier

ORTHOPAEDIC INSTITUTE OF OHIO, INC

ORTHOPAEDIC INSTITUTE OF OHIO, INC GROUP INSURANCE PLAN

$2.8M

$89K

COMMUNITY INSURANCE COMPANY

WEST CENTRAL OHIO GROUP LTD

WCOG-INSTITUTE FOR ORTHOPAEDIC SURGERY GROUP INSURANCE PLAN

$3.1M

$58K

MEDICAL MUTUAL