Welfare broker

LONE STAR INSURANCE SVCS INC

Mailing address (most recent filing)

PO BOX 3988

MCALLEN, TX 78502

Total comp: $1.0M
Commissions: $797K
Fees: $249K
Filings: 3
Sponsors: 3

Carrier mix

Where LONE STAR INSURANCE SVCS INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITEDHEALTHCARE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$5.3M	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
TX	1	$5.3M	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 LONE STAR INSURANCE SVCS INC's plans by broker comp / premium ratio. Median 7.29% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of LONE STAR INSURANCE SVCS INC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where LONE STAR INSURANCE SVCS INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
LONE STAR NATIONAL BANK LONE STAR NATIONAL BANK EMPLOYEE BENEFIT PLAN	TX	$5.3M	$383K	UNITEDHEALTHCARE INSURANCE COMPANY