| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURICA, INC.3 Filed as: INSURICA DFB INSURANCE SERVICES, LL | — | BLUECROSS BLUESHIELD OF TEXAS | $60K | — | $60K | 4.13% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | — | BLUECROSS BLUESHIELD OF TEXAS | — | $2K | $2K | 0.12% |
| DFB INSURANCE GROUP LLC3 | 301 SOUTH POLK STREET AMARILLO, TX 79101 | HUMANA INSURANCE COMPANY | $5K | — | $5K | 6.21% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 WEST 13TH STREET FORT WORTH, TX 76102 | HUMANA INSURANCE COMPANY | -$159 | $34 | -$125 | -0.14% |
| INSURICA, INC.3 Filed as: INSURICA DFB INSURANCE SERVICES LLC | 301 SOUTH POLK STREET SUITE 300 AMARILLO, TX 79101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| INSURICA, INC.3 Filed as: INSURICA DFB INSURANCE SERVICES LLC | 301 SOUTH POLK STREET SUITE 300 AMARILLO, TX 79101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| INSURICA, INC.3 Filed as: INSURICA DFB INSURANCE SERVICES LLC | 301 SOUTH POLK STREET SUITE 300 AMARILLO, TX 79101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
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 | 225 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 230 | $1.5M |
| Dental | HUMANA INSURANCE COMPANY | 175 | $87K |
| Vision | HUMANA INSURANCE COMPANY | 175 | $87K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $69K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $20K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.