| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | HEALTH CARE SERVICE CORPORATION | $13K | $0 | $13K | 9.87% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | DEARBORN LIFE INSURANCE COMPANY | $7K | $1K | $8K | 11.92% |
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | DEARBORN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.03% |
| CANNON ALLEN3 Filed as: CANNON EDWARD ALLEN | 2527 86TH ST LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 10.82% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 6.99% |
| TOTAL BENEFIT SOLUTIONS3 | 2527 86TH ST LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 5.94% |
| DAVIS ALLEN AGENCY INC3 | 2527 86TH ST LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $987 | $987 | 2.20% |
| JONATHAN SAMUEL SPETNER3 | 8630 DELMAR BLVD STE 100 ST LOUIS, MO 63124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11 | $0 | $11 | 0.02% |
| CANNON ALLEN3 Filed as: CANNON EDWARD ALLEN | 2527 86TH ST LUBBOCK, TX 79423 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 7.31% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 6.10% |
| TOTAL BENEFIT SOLUTIONS3 | 2527 86TH ST LUBBOCK, TX 79423 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 4.07% |
| DAVIS ALLEN AGENCY INC3 Filed as: DAVIS ALLEN AGENCY | 2527 86TH ST LUBBOCK, TX 79423 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $743 | $743 | 1.85% |
| JONATHAN SAMUEL SPETNER3 | 8630 DELMAR BLVD STE 100 ST LOUIS, MO 63124 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $430 | $0 | $430 | 1.07% |
| CANNON ALLEN3 Filed as: CANNON E ALLEN | 2527 86TH ST LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 10.50% |
| TOTAL BENEFIT SOLUTIONS3 | 2527 86TH ST LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $575 | $0 | $575 | 3.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $90 | $12 | $102 | 0.53% |
| DAVIS ALLEN AGENCY INC3 | 2527 86TH ST LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $101 | $101 | 0.53% |
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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HEALTH CARE SERVICE CORPORATION | 356 | $132K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 92 | $69K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 92 | $69K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 135 | $40K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 39 | $19K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 263 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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.