| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | UNITED HEALTHCARE INSURANCE COMPANY | $28K | $843 | $29K | 4.87% |
| A. G. INSURANCE AGENCIES,INC.3 Filed as: AG INSURANCE AGENCIES INC | 6100 WESTERN PL STE 350 FORT WORTH, TX 76107 | UNITED HEALTHCARE INSURANCE COMPANY | -$364 | $0 | -$364 | -0.06% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $1K | $16K | 26.40% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 25.43% |
| CREATIVE INSURANCE CNCPT3 Filed as: CREATIVE INSURANCE CONCEPT | 6100 SW BLVD STE 110 FORT WORTH, TX 76109 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.50% |
| BRIAN EDWARD JUND3 | NATIONAL BENEFIT PARTNERS 23282 MILL CREEK DR STE 390 LAGUNA HILLS, CA 92653 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $563 | $0 | $563 | 2.55% |
| USB HEALTH LLC3 | 4550 HWY 360 STE 190 GRAPEVINE, TX 76051 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | $0 | $31 | 0.14% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $255 | $3K | 26.56% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $927 | $0 | $927 | 10.66% |
| CREATIVE INSURANCE CNCPT3 Filed as: CREATIVE INSURANCE CONCEPT | 6100 SW BLVD STE 110 FORT WORTH, TX 76109 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $841 | $0 | $841 | 9.67% |
| BRIAN EDWARD JUND3 | NATIONAL BENEFIT PARTNERS 23282 MILL CREEK DR STE 390 LAGUNA HILLS, CA 92653 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $165 | $0 | $165 | 1.90% |
| USB HEALTH LLC3 | 4550 HWY 360 STE 190 GRAPEVINE, TX 76051 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | $0 | $16 | 0.18% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 157 | $586K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 157 | $586K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 157 | $586K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $71K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $60K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $60K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.