Welfare broker

ZACHRY STEPHENS

Mailing address (most recent filing)

12215 QUAKER AVENUE

LUBBOCK, TX 79424

Total comp: $37K
Commissions: $37K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

SCOTT & WHITE HEALTH PLAN100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
SCOTT & WHITE HEALTH PLAN	1	$1.0M	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	$1.0M	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 ZACHRY STEPHENS's plans by broker comp / premium ratio. Median 5.87% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where ZACHRY STEPHENS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
FARMERS COOPERATIVE COMPRESS FARMERS COOPERATIVE COMPRESS CAFETERIA PLAN	TX	$1.0M	$59K	BAYLOR SCOTT & WHITE