Welfare broker

MEMORIAL FINANCIAL SERVICES CORP

Mailing address (most recent filing)

440 COBIA DRIVE, SUITE 1801

KATY, TX 77494

Total comp: $171K
Commissions: $121K
Fees: $50K
Filings: 3
Sponsors: 3

Carrier mix

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

BLUE CROSS OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	1	$1.1M	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	$1.1M	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 MEMORIAL FINANCIAL SERVICES CORP's plans by broker comp / premium ratio. Median 6.30% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where MEMORIAL FINANCIAL SERVICES CORP is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ROSHAL IMAGING SERVICES, INC. ROSHAL IMAGING SERVICES WRAP PLAN	TX	$1.1M	$71K	BLUECROSS BLUESHIELD OF TEXAS