| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | BLUECROSS BLUESHEILD OF TENNESSEE, INC. | $27K | $0 | $27K | 12.77% |
| PMG BENEFITS CONSULTING, LLC3 Filed as: PMG BENEFITS CONSULTING LLC | 620 MABRY HOOD RD STE 201 KNOXVILLE, TN 37932 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $0 | $21K | 15.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.00% |
| PMG BENEFITS CONSULTING, LLC3 Filed as: PMG BENEFITS CONSULTING LLC | 620 MABRY HOOD RD STE 201 KNOXVILLE, TN 37932 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $0 | $21K | 15.09% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.91% |
| PMG BENEFITS CONSULTING, LLC3 Filed as: PMG BENEFITS CONSULTING LLC | 620 MABRY HOOD RD STE 201 KNOXVILLE, TN 37932 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $0 | $20K | 15.04% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.96% |
| PMG BENEFITS CONSULTING, LLC3 Filed as: PMG BENEFITS CONSULTING LLC | 620 MABRY HOOD RD STE 201 KNOXVILLE, TN 37932 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 12.59% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.41% |
| PMG BENEFITS CONSULTING, LLC3 Filed as: PMG BENEFITS CONSULTING LLC | 620 MABRY HOOD RD STE 201 KNOXVILLE, TN 37932 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 12.59% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.41% |
| PMG BENEFITS CONSULTING, LLC3 Filed as: PMG BENEFITS CONSULTING LLC | 620 MABRY HOOD RD STE 201 KNOXVILLE, TN 37932 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.48% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $615 | $0 | $615 | 2.52% |
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 | 488 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 490 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHEILD OF TENNESSEE, INC. | 650 | $213K |
| Vision | BLUECROSS BLUESHEILD OF TENNESSEE, INC. | 650 | $213K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 488 | $24K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 488 | $142K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $132K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 488 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 650 | — |
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.