| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | BLUECROSS BLUESHIELD OF TEXAS | $28K | $0 | $28K | 7.84% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 11700 KATY FREEWAY, SUITE 1100 HOUSTON, TX 77079 | BLUECROSS BLUESHIELD OF TEXAS | -$6K | $5K | -$1K | -0.35% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | DEARBORN LIFE INSURANCE COMPANY | $25K | $0 | $25K | 12.55% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 11700 KATY FREEWAY, SUITE 1100 HOUSTON, TX 77079 | DEARBORN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 3.15% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 531 | $0 |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 531 | $358K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 525 | $199K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 525 | $199K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 525 | $199K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 525 | $199K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 531 | $0 |
| Other | DEARBORN LIFE INSURANCE COMPANY | 525 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 531 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.