| 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 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $329K | $0 | $329K | 26.63% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $343 | $343 | 0.03% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | DELTA DENTAL OF TENNESSEE | $32K | $0 | $32K | 2.74% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | DELTA DENTAL OF TENNESSEE | $3K | $0 | $3K | 0.30% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 1125 SANCTUARY PKWY SUITE 300 ALPHARETTA, GA 30009 | DELTA DENTAL OF TENNESSEE | $3K | $0 | $3K | 0.25% |
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 | 1,551 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,554 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 2,092 | $1.2M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,551 | $1.2M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,551 | $1.2M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,551 | $1.2M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,551 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,092 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.