| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | HEALTH CARE SERVICE CORPORATION | $10K | $0 | $10K | 1.45% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | HEALTH CARE SERVICE CORPORATION | $0 | $9K | $9K | 1.21% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTWEST INC | 9811 KATY FREEWAY STE 500 HOUSTON, TX 77024 | HEALTH CARE SERVICE CORPORATION | $3K | $0 | $3K | 0.47% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | HARTFORD LIFE AND ACCIDENT | $8K | $0 | $8K | 11.88% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY STE 500 HOUSTON, TX 77024 | HARTFORD LIFE AND ACCIDENT | $2K | $1K | $3K | 5.09% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | HARTFORD LIFE AND ACCIDENT | $0 | $997 | $997 | 1.46% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | STARMOUNT LIFE INSURANCE COMPANY | $5K | $785 | $6K | 10.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY STE 500 HOUSTON, TX 77024 | STARMOUNT LIFE INSURANCE COMPANY | $929 | $339 | $1K | 2.10% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL | 12404 PARK CENTRAL DR STE 400 DALLAS, TX 75251 | STARMOUNT LIFE INSURANCE COMPANY | $184 | $0 | $184 | 0.31% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 106 | $721K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 116 | $60K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 116 | $60K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 203 | $68K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 203 | $68K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 203 | $68K |
| Other | HARTFORD LIFE AND ACCIDENT | 203 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.