| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $53K | $53K | 4.76% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE INC | 110 CARILLON PKWY ST PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $417 | $2K | $3K | 3.02% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.54% |
| SANTA CRUZ CHARLOTTE R3 | 718 DUNBAR AVENUE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.96% |
| MURPHY FAMILY INS CO | 37048 US HWY 27 HAINES CITY, FL 33844 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $684 | $0 | $684 | 1.97% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 18.13% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE INC | 110 CARILLON PKWY ST PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $3K | 9.44% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 17.62% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE INC | 110 CARILLON PKWY ST PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $811 | $1K | $2K | 9.60% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 17.30% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE INC | 110 CARILLON PKWY ST PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $786 | $1K | $2K | 9.57% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 12.60% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE INC | 110 CARILLON PKWY ST PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $305 | $731 | $1K | 8.15% |
| SANTA CRUZ CHARLOTTE R | 718 DUNBAR AVENUE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $59 | $0 | $59 | 7.36% |
| MURPHY FAMILY INS CO | 37048 US HWY 27 HAINES CITY, FL 33844 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | $0 | $36 | 4.49% |
| SANTA CRUZ CHARLOTTE R | 718 DUNBAR AVENUE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | $0 | $27 | 5.45% |
| MURPHY FAMILY INS CO | 37048 US HWY 27 HAINES CITY, FL 33844 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | $0 | $15 | 3.03% |
| SANTA CRUZ CHARLOTTE R3 | 718 DUNBAR AVENUE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | $0 | $22 | 7.77% |
| SANTA CRUZ CHARLOTTE R3 | 718 DUNBAR AVENUE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | $0 | $8 | 5.93% |
| MURPHY FAMILY INS CO | 37048 US HWY 27 HAINES CITY, FL 33844 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 3.70% |
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 | 106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 135 | $1.1M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $90K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $13K |
| Life insurance(7 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 273 | $69K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 66 | $24K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 47 | $21K |
| Other(8 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 273 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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.