Welfare broker

INSURANCE & BONDS AGENCY OF TEXAS

Mailing address (most recent filing)

5057 KELLER SPRINGS ROAD

SUITE 200

ADDISON, TX 75001

Total comp: $68K
Commissions: $62K
Fees: $6K
Filings: 4
Sponsors: 4

Carrier mix

Where INSURANCE & BONDS AGENCY OF TEXAS places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITEDHEALTHCARE INSURANCE COMPANY50.0%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$133K	50.0%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$152K	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	2	$286K	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 INSURANCE & BONDS AGENCY OF TEXAS's plans by broker comp / premium ratio. Median 13.30% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of INSURANCE & BONDS AGENCY OF TEXAS's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where INSURANCE & BONDS AGENCY OF TEXAS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
AZTECA ENTERPRISES, INC. AZTECA ENTERPRISES, INC. EMPLOYEE HEALTH PLAN	TX	$133K	$19K	UNITEDHEALTHCARE INSURANCE COMPANY
CARUTH PROTECTION SERVICES, LLC CARUTH PROTECTION SERVICES EMPLOYEE WELFARE PLAN	TX	$152K	$19K	GUARDIAN

Carrier

Plans

Premium

UNITEDHEALTHCARE INSURANCE COMPANY

$133K

50.0%

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

$152K

50.0%

State

Plans

Premium

State share

Index

$286K

0.0%

16.72x

Sponsor

Loc

Premium

Comp

Carrier

AZTECA ENTERPRISES, INC.

AZTECA ENTERPRISES, INC. EMPLOYEE HEALTH PLAN

$133K

$19K

UNITEDHEALTHCARE INSURANCE COMPANY

CARUTH PROTECTION SERVICES, LLC

CARUTH PROTECTION SERVICES EMPLOYEE WELFARE PLAN

$152K

$19K

GUARDIAN