| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $17K | $17K | 0.76% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | METROPOLITAN LIFE INSURANCE COMPANY | $102K | $12K | $115K | 5.62% |
| CLS PARTNERS EMPLOYEE BENEFITS3 | 3600 NORTH CAPITAL OF TEXAS HIGHWAY SUITE 100, BUILDING B AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $85K | — | $85K | 4.16% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 WEST 13TH STREET FORT WORTH, TX 76102 | VISION SERVICE PLAN | $20K | — | $20K | 5.05% |
| CLS PARTNERS EMPLOYEE BENEFITS3 | 3600 NORTH CAPITAL OF TEXAS HIGHWAY SUITE 100, BUILDING B AUSTIN, TX 78746 | VISION SERVICE PLAN | $19K | — | $19K | 4.95% |
| CLS PARTNERS EMPLOYEE BENEFITS3 | 3600 NORTH CAPITAL OF TEXAS HIGHWAY SUITE 200, BUILDING B AUSTIN, TX 78746 | RELIASTAR LIFE INSURANCE COMPANY | $27K | — | $27K | 7.47% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 WEST 13TH STREET FORT WORTH, TX 76102 | RELIASTAR LIFE INSURANCE COMPANY | $26K | — | $26K | 7.26% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUTIONS, LLC | 18940 NORTH PIMA ROAD, SUITE 210 SCOTTSDALE, AZ 85255 | RELIASTAR LIFE INSURANCE COMPANY | $9K | — | $9K | 2.38% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 WEST 13TH STREET FORTH WORTH, TX 76102 | RELIASTAR LIFE INSURANCE COMPANY | $811 | $2K | $3K | 33.19% |
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 | 5,363 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,396 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MDLIVE | 5,610 | $16K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,897 | $2.2M |
| Vision | VISION SERVICE PLAN | 3,438 | $392K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,900 | $2.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,900 | $2.0M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,900 | $2.0M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,900 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,900 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.