Welfare broker

PATRICIA HERNANDEZ

Mailing address (most recent filing)

4313 AUGUSTA DR

GARLAND, TX 75041

Total comp: $128K
Commissions: $128K
Fees: $0
Filings: 4
Sponsors: 4

Carrier mix

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

STARMOUNT LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
STARMOUNT LIFE INSURANCE COMPANY	1	$0	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	$0	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 PATRICIA HERNANDEZ's plans by broker comp / premium ratio. Median n/a vs welfare-wide median 6.29% (n=0).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where PATRICIA HERNANDEZ is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
FRED LOYA INSURANCE AGENCY INC FRED LOYA INSURANCE AGENCY INC	TX	$0	$184K	STARMOUNT LIFE INSURANCE COMPANY