| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGENBOTHAM INSURANCE AGENCY INC | 500 W 13TH ST FORT WORTH, TX 761024657 | BLUE CROSS BLUE SHIELD OF TEXAS | $26K | $3K | $29K | 2.21% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 2711 N HASKELL AVE 2000 DALLAS, TX 75204 | BLUE CROSS BLUE SHIELD OF TEXAS | $14K | — | $14K | 1.03% |
| PORTACOOL LLC7 | PO BOX 2167 CENTER, TX 759352167 | BLUE CROSS BLUE SHIELD OF TEXAS | — | $4 | $4 | 0.00% |
| HIGGINBOTHAM INS AGENCY INC Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W 13TH ST FORT WORTH, TX 76102 | BLUE CROSS BLUE SHIELD OF TEXAS | $11K | — | $11K | 6.47% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES NATIONAL INC | 2711 N HASKELL AVE 2000 DALLAS, TX 75204 | BLUE CROSS BLUE SHIELD OF TEXAS | $5K | — | $5K | 3.30% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W 13TH ST FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22K | — | $22K | 15.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 W 13TH ST FORT WORTH, TX 761024657 | VISION SERVICE PLAN | $1K | — | $1K | 4.49% |
| HACKRADT KOBY A | — | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 487 | 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) | 487 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 463 | $1.3M |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 487 | $164K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 179 | $53K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 330 | $146K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 330 | $146K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 330 | $146K |
| Other | HEALTHSMART BENEFIT SOLUTIONS | 93 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 487 | — |
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.