Welfare broker

JOE FERNANDEZ

Mailing address (most recent filing)

7500 DALLAS PKWY, STE 550

PLANO, TX 750244019

Total comp: $1.1M
Commissions: $969K
Fees: $129K
Filings: 41
Sponsors: 41

Carrier mix

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

DEARBORN LIFE INSURANCE COMPANY50.0%
UNITEDHEALTHCARE INSURANCE COMPANY25.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY25.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
DEARBORN LIFE INSURANCE COMPANY	2	$1.4M	50.0%
UNITEDHEALTHCARE INSURANCE COMPANY	1	$2.2M	25.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$522K	25.0%

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
OK	2	$1.4M	0.2%	61.71x
PA	1	$522K	0.0%	6.04x
NC	1	$2.2M	0.0%	11.83x

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 JOE FERNANDEZ's plans by broker comp / premium ratio. Median 17.24% vs welfare-wide median 6.40% (n=4).

Prospect-flag exposure · vs market baseline

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

1-4 of 4 sponsors where JOE FERNANDEZ is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
AIRX CLIMATE SOLUTIONS AIRX CLIMATE SOLUTIONS HEALTH AND WELFARE PLAN	OK	$713K	$139K	DEARBORN LIFE INSURANCE COMPANY
AIRX CLIMATE SOLUTIONS AIRX CLIMATE SOLUTIONS HEALTH AND WELFARE PLAN	OK	$713K	$139K	DEARBORN LIFE INSURANCE COMPANY
SENIOR CARE/ACTIVE DAY SENIOR CARE/ACTIVE DAY EMPLOYEE BENEFIT PLAN	PA	$522K	$78K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
MORINAGA AMERICA FOODS, INC. MORINAGA AMERICA FOODS WELFARE BENEFITS PLAN	NC	$2.2M	$72K	UNITEDHEALTHCARE

Carrier

Plans

Premium

DEARBORN LIFE INSURANCE COMPANY

$1.4M

50.0%

UNITEDHEALTHCARE INSURANCE COMPANY

$2.2M

25.0%

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$522K

25.0%

State

Plans

Premium

State share

Index

$1.4M

0.2%

61.71x

$522K

0.0%

6.04x

$2.2M

0.0%

11.83x

Sponsor

Loc

Premium

Comp

Carrier

AIRX CLIMATE SOLUTIONS

AIRX CLIMATE SOLUTIONS HEALTH AND WELFARE PLAN

$713K

$139K

DEARBORN LIFE INSURANCE COMPANY

AIRX CLIMATE SOLUTIONS

AIRX CLIMATE SOLUTIONS HEALTH AND WELFARE PLAN

$713K

$139K

DEARBORN LIFE INSURANCE COMPANY

SENIOR CARE/ACTIVE DAY

SENIOR CARE/ACTIVE DAY EMPLOYEE BENEFIT PLAN

$522K

$78K

CIGNA HEALTH AND LIFE INSURANCE COMPANY

MORINAGA AMERICA FOODS, INC.

MORINAGA AMERICA FOODS WELFARE BENEFITS PLAN

$2.2M

$72K

UNITEDHEALTHCARE