| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC. | 500 WEST 13TH STREET FORT WORTH, TX 76102 | BLUECROSS BLUESHIELD OKLAHOMA | $7K | $0 | $7K | 7.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 3151 BRIARPARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | BLUECROSS BLUESHIELD OKLAHOMA | $2K | $0 | $2K | 2.44% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC. | 500 WEST 13TH STREET FORT WORTH, TX 76102 | DEARBORN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 9.37% |
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 NORTH PIMA ROAD, SUITE 210 SCOTTSDALE, AZ 85255 | DEARBORN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 3151 BRIARPARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | DEARBORN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.61% |
| KILPATRICK COMPANIES LLC3 | 1050 WILCREST DRIVE HOUSTON, TX 77042 | DEARBORN LIFE INSURANCE COMPANY | $0 | $10 | $10 | 0.02% |
| ALLEN, CANNON, EDWARD3 | 2527 86TH STREET LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 7.61% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC. | 500 WEST 13TH STREET FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $80 | $2K | 4.84% |
| TOTAL BENEFIT SOLUTIONS3 | 2527 86TH STREET LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 3.08% |
| CANNON ALLEN3 Filed as: CANNON E. ALLEN | 2527 86TH STREET LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 2.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 3151 BRIARPARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $630 | $20 | $650 | 1.26% |
| DAVIS ALLEN AGENCY INC3 | 2527 86TH STREET LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $275 | $275 | 0.53% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER, JONATHAN, SAMUEL | 8630 DELMAR BOULEVARD, SUITE 100 SAINT LOUIS, MO 63124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8 | $0 | $8 | 0.02% |
| ALLEN, CANNON, EDWARD3 | 2527 86TH STREET LUBBOCK, TX 79423 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 6.51% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC. | 500 WEST 13TH STREET FORT WORTH, TX 76102 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $956 | $0 | $956 | 3.52% |
| TOTAL BENEFIT SOLUTIONS3 | 2527 86TH STREET LUBBOCK, TX 79423 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $479 | $0 | $479 | 1.77% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER, JONATHAN, SAMUEL | 8630 DELMAR BOULEVARD, SUITE 100 SAINT LOUIS, MO 63124 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $307 | $0 | $307 | 1.13% |
| DAVIS ALLEN AGENCY INC3 | 2527 86TH STREET LUBBOCK, TX 79423 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $149 | $149 | 0.55% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OKLAHOMA | 331 | $99K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 70 | $56K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 70 | $56K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 54 | $27K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 106 | $51K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 106 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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.