| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | UNITED HEALTHCARE INSURANCE COMPANY | $21K | $0 | $21K | 3.73% |
| 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 | $334 | $0 | $334 | 0.06% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24K | $2K | $25K | 13.58% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 25.21% |
| BRIAN EDWARD JUND3 | NATIONAL BENEFIT PARTNERS 23282 MILL CREEK DR STE 390 LAGUNA HILLS, CA 92653 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $722 | $0 | $722 | 2.76% |
| CREATIVE INSURANCE CNCPT3 | 6100 SW BLVD STE 110 FORT WORTH, TX 76109 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $369 | $0 | $369 | 1.41% |
| USB HEALTH LLC3 | 4550 HWY 360 STE 190 GRAPEVINE, TX 76051 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | $0 | $7 | 0.03% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 29.90% |
| BRIAN EDWARD JUND3 | NATIONAL BENEFIT PARTNERS 23282 MILL CREEK DR STE 390 LAGUNA HILLS, CA 92653 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $357 | $0 | $357 | 3.07% |
| CREATIVE INSURANCE CNCPT3 Filed as: CREATIVE INSURANCE CONCPT | 6100 SW BLVD STE 110 FORT WORTH, TX 76109 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $256 | $0 | $256 | 2.20% |
| USB HEALTH LLC3 | 4550 HWY 360 STE 190 GRAPEVINE, TX 76051 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | $0 | $6 | 0.05% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 127 | $568K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 122 | $186K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 122 | $186K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 122 | $186K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 122 | $186K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 122 | $186K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.