| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | $0 | $15K | 9.89% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.76% |
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.88% |
| TOTAL BENEFIT SOLUTIONS3 | 7412 UNIVERSITY AVE UNIT 1 LUBBOCK, TX 79423 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $158 | $2K | 5.78% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 5.40% |
| JONATHAN SAMUEL SPETNER3 | 8630 DELMAR BLVD STE 100 ST LOUIS, MO 63124 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $966 | $0 | $966 | 2.25% |
| CANNON ALLEN3 Filed as: CANNON EDWARD ALLEN | 7412 UNIVERSITY AVE UNIT 1 LUBBOCK, TX 79423 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $537 | $0 | $537 | 1.25% |
| DAVIS ALLEN AGENCY INC3 | 7412 UNIVERSITY AVE UNIT 1 LUBBOCK, TX 79423 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $61 | $61 | 0.14% |
| TOTAL BENEFIT SOLUTIONS3 | 7412 UNIVERSITY AVE UNIT 1 LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 10.67% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 8.07% |
| JONATHAN SAMUEL SPETNER3 | 8630 DELMAR BLVD STE 100 ST LOUIS, MO 63124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $926 | $0 | $926 | 2.24% |
| DAVIS ALLEN AGENCY INC3 | 7412 UNIVERSITY AVE UNIT 1 LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $321 | $321 | 0.78% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $409 | $2K | 22.44% |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 181 | $149K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 181 | $149K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 96 | $54K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 104 | $43K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 19 | $8K |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 209 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.