| 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 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $2K | $16K | 11.18% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD ROAD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 5.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $2K | $12K | 17.31% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD ROAD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $1K | $9K | 17.43% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD ROAD STE 300 KIRKWOOD, TX 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| PBC CARE LLC | 4855 N MESA STE 106 EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $177 | $4K | 9.48% |
| ARGO EXPRESS LLC | 17803 LA CANTERA TER APT 11418 SAN ANTONIO, TX 78256 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $948 | $311 | $1K | 3.20% |
| D&I INTERNATIONAL PARTNERS INC | 449 EL CAMINO DR EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $642 | $367 | $1K | 2.56% |
| JEANNETTE LYNN CHAIREZ | 7136 CERRO NEGRO DR EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $697 | $0 | $697 | 1.77% |
| TIMOTHY J REED Filed as: TIMOTHY COBB | 11086 NW COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $215 | $311 | 0.79% |
| SEAMAN ENTERPRISES INC Filed as: SEAMAN ENTERPISES INC | 924 LAS AVES PL EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $302 | $0 | $302 | 0.77% |
| MANUEL FUENTES | 63 MARIPOSA PWKY W BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $231 | $59 | $290 | 0.74% |
| DAVID JOHN RENDALL | 1101 CERRITO BAJO LN EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $280 | $0 | $280 | 0.71% |
| DANIEL ROJAS | 6680 CABANA DEL SOL EL PASO, TX 79911 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $161 | $31 | $192 | 0.49% |
| PAOLA DE SANTIAGO | 7041 CROWN RIDGE DR EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $130 | $0 | $130 | 0.33% |
| ANNA FERNANDA DE SANTIAGO | 1600 N RESLER DR APT 2803 EL PASO, TX 79911 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | $0 | $63 | 0.16% |
| ELISABETH CHESHIRE CHAVEZ | 7386 BRAYS LANDING DR EL PASO, TX 79911 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | $1 | $60 | 0.15% |
| YARENI GUADALUPE MANCHINELLI | 632 ADRIAN ARELLANO ST SOCORRO, TX 79927 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $2 | $60 | 0.15% |
| TALHIA MORELOS | 4855 N MESA ST STE 106 EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | $0 | $59 | 0.15% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $562 | $3K | 12.37% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD ROAD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $482 | $3K | 17.44% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD ROAD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $989 | $989 | 5.00% |
| PBC CARE LLC | 4855 N MESA STE 106 EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $36 | $1K | 7.64% |
| ARGO EXPRESS LLC | 17803 LA CENTERA TER APT 11418 SAN ANTONIO, TX 78256 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $314 | $103 | $417 | 2.24% |
| DAVID JOHN RENDALL | 1101 CERRITO BAJO LN EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $241 | $0 | $241 | 1.29% |
| SEAMAN ENTERPRISES INC | 924 LAS AVES PL EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $239 | $0 | $239 | 1.28% |
| JEANNETTE LYNN CHAIREZ | 7136 CERRO NEGRO DR EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $209 | $0 | $209 | 1.12% |
| D&I INTERNATIONAL PARTNERS INC | 449 EL CAMINO DR EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $167 | $0 | $167 | 0.90% |
| TIMOTHY J REED Filed as: TIMOTHY COBB | 110086 NW COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $53 | $77 | 0.41% |
| ERIC BROGAN Filed as: ERIC L MILLER | 8720 ELBE TRL FORT WORTH, TX 76118 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $0 | $53 | 0.28% |
| PBC CARE LLC | 4855 N MESA STE 106 EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $10 | $1K | 13.61% |
| SEAMAN ENTERPRISES INC | 924 LAS AVES PL EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $107 | $0 | $107 | 1.17% |
| D&I INTERNATIONAL PARTNERS INC | 449 EL CAMINO DR EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | $13 | $78 | 0.86% |
| JEANNETTE LYNN CHAIREZ | 7136 CERRO NEGRO DR EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | $0 | $50 | 0.55% |
| DAVID JOHN RENDALL | 1101 CERRITO BAJO LN EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $178 | $0 | $178 | 6.97% |
| SEAMAN ENTERPRISES INC | 924 LAS AVES PL EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $0 | $61 | 2.39% |
| PBC CARE LLC | 4855 N MESA STE 106 EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $0 | $41 | 1.61% |
| SEAMAN ENTERPRISES INC | 924 LAS AVES PL EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 1.19% |
| ELISABETH CHESHIRE CHAVEZ | 7386 BRAYS LANDING DR EL PASO, TX 79911 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.81% |
| ANGELA RENEE HERNANDEZ | 3233 MUDDY POINT LN EL PASO, TX 79938 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.22% |
| D&I INTERNATIONAL PARTNERS INC | 449 EL CAMINO DR EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.22% |
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 | 306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 233 | $143K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 227 | $24K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 267 | $72K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 267 | $70K |
| Other(7 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 267 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.
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.