| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVIES US INC | PO BOX 203383 DALLAS, TX 753203383 | BLUE CROSS BLUE SHIELD OF TEXAS | $28K | $2K | $30K | 2.36% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGENBOTHAM INSURANCE AGENCY INC | 500 W 13TH ST FORT WORTH, TX 761024657 | BLUE CROSS BLUE SHIELD OF TEXAS | $14K | $6 | $14K | 1.09% |
| PORTACOOL LLC7 | PO BOX 2167 CENTER, TX 759352167 | BLUE CROSS BLUE SHIELD OF TEXAS | — | $10 | $10 | 0.00% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES NATIONAL INC | 24 GREENWAY PLAZA, 1100 HOUSTON, TX 77046 | DEARBORN NATIONAL | $26K | — | $26K | 15.82% |
| HIGGINBOTHAM INS AGENCY INC Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W 13TH ST FORT WORTH, TX 76102 | DEARBORN NATIONAL | $28 | — | $28 | 0.02% |
| WELLS FARGO INSURANCE SERVICES3 | PO BOX 203383 DALLAS, TX 753203383 | VISION SERVICE PLAN | $1K | — | $1K | 4.47% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 W 13TH ST FORT WORTH, TX 761024657 | VISION SERVICE PLAN | $1K | — | $1K | 3.30% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES NATIONAL INC | — | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.11% |
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 | 484 | 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) | 484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 496 | $1.3M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 162 | $45K |
| Life insurance | DEARBORN NATIONAL | 332 | $162K |
| Short-term disability | DEARBORN NATIONAL | 332 | $162K |
| Long-term disability | DEARBORN NATIONAL | 332 | $162K |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL | 332 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 496 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.