Welfare broker

RAIALIFE PARTNERS PC

Mailing address (most recent filing)

510 BERING DR STE 490

HOUSTON, TX 77057

Total comp: $379K
Commissions: $310K
Fees: $69K
Filings: 3
Sponsors: 3

Carrier mix

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

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA50.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$435K	50.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$1.6M	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	$2.1M	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 RAIALIFE PARTNERS PC's plans by broker comp / premium ratio. Median 13.13% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where RAIALIFE PARTNERS PC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
BOURQUE LOGISTICS LLC BOURQUE LOGISTICS LLC WELFARE BENEFIT PLAN	TX	$1.6M	$139K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
WAPITI OPERATING, LLC WAPITI OPERATING, LLC, WELFARE PLAN	TX	$435K	$77K	GUARDIAN

Carrier

Plans

Premium

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

$435K

50.0%

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$1.6M

50.0%

State

Plans

Premium

State share

Index

$2.1M

0.0%

16.72x

Sponsor

Loc

Premium

Comp

Carrier

BOURQUE LOGISTICS LLC

BOURQUE LOGISTICS LLC WELFARE BENEFIT PLAN

$1.6M

$139K

CIGNA HEALTH AND LIFE INSURANCE COMPANY

WAPITI OPERATING, LLC

WAPITI OPERATING, LLC, WELFARE PLAN

$435K

$77K

GUARDIAN