| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W 13TH ST. FORT WORTH, TX 76102 | HEALTH CARE SERVICE CORPORATION | $157K | $52 | $157K | 4.34% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 1826 NORTH LOOP 1604 W SUITE 375 SAN ANTONIO, TX 78248 | GUARDIAN LIFE INSURANCE COMPANY | $142K | $2K | $144K | 35.14% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 11700 KATY FREEWAY SUITE 1100 HOUSTON, TX 77079 | DEARBORN LIFE INSURANCE COMPANY | $36K | — | $36K | 14.18% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | — | $3K | 10.00% |
| MADISON VAUGHN3 | 214 TARBOX BROWN BUDA, TX 78610 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $983 | — | $983 | 3.36% |
| WILLIAM J WALKER3 | 3215 WAYLAND RD WAYLAND, IA 52654 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $532 | — | $532 | 1.82% |
| BRADLEY L WALKER3 | 1216 N 3RD AVE WASHINGTON, IA 52353 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $532 | — | $532 | 1.82% |
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 | 560 | 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) | 560 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 721 | $3.6M |
| Dental | HEALTH CARE SERVICE CORPORATION | 721 | $3.6M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 560 | $256K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 560 | $256K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 261 | $409K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 261 | $409K |
| Other(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 560 | $694K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 721 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.