| 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 | HEALTH CARE SERVICE CORPORATION | $106K | $0 | $106K | 3.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | — | HEALTH CARE SERVICE CORPORATION | $76K | $0 | $76K | 2.30% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $59K | $0 | $59K | 12.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENAN AGENCY LLC | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | $0 | $20K | 4.17% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 8.17% |
| MADISON VAUGHN | 214 TARBOX BROWN BUDA, TX 78610 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $866 | $0 | $866 | 4.21% |
| WILLIAM J WALKER | 3215 WAYLAND RD WAYLAND, IA 52654 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $476 | $0 | $476 | 2.32% |
| BRADLEY L WALKER | 1216 N 3RD AVE WASHINGTON, IA 52353 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $476 | $0 | $476 | 2.32% |
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 | 526 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 527 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 758 | $3.3M |
| Dental(2 contracts, 2 carriers) | HEALTH CARE SERVICE CORPORATION | 758 | $3.8M |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 542 | $488K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 542 | $488K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 542 | $488K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 542 | $488K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 542 | $508K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 758 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.