| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $43K | — | $43K | 4.68% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 WEST 13TH STREET FORT WORTH, TX 76102 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $13K | $21K | 5.26% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 WEST 13TH STREET FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY AMERICA | $6K | $2K | $8K | 16.43% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVI | 4330 NORTH CENTRAL EXPRESSWAY SUITE 100 DALLAS, TX 75206 | UNUM LIFE INSURANCE COMPANY AMERICA | $1K | — | $1K | 2.68% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANC | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY AMERICA | — | $787 | $787 | 1.60% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 400 WEST 13TH STREET FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $899 | $4K | 8.37% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG & BUCKELEEW COMPA | PO BOX 99106 CAMDEN, NJ 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $883 | $3K | 5.84% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVI | 4330 NORTH CENTRAL EXPRESSWAY SUITE 100 DALLAS, TX 75206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $974 | — | $974 | 2.15% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANC | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $877 | $877 | 1.93% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 WEST 13TH STREET FORT WORTH, TX 76102 | UNUM INSURANCE COMPANY | $3K | $955 | $4K | 18.39% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWN INSURANCE SERVI | 4330 NORTH CENTRAL EXPRESSWAY SUITE 100 DALLAS, TX 75206 | UNUM INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 WEST 13TH STREET FORT WORTH, TX 76102 | UNUM INSURANCE COMPANY | $2K | $763 | $3K | 18.32% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVI | 4330 NORTH CENTRAL EXPRESSWAY SUITE 100 DALLAS, TX 75206 | UNUM INSURANCE COMPANY | $9 | — | $9 | 0.05% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 WEST 13TH STREET FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $309 | $1K | 8.68% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG & BUCKELEW COMPA | PO BOX 99106 CAMDEN, NJ 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $659 | $376 | $1K | 6.25% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANC | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $257 | $257 | 1.55% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVI | 4330 NORTH CENTRAL EXPRESSWAY SUITE 100 DALLAS, TX 75206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $214 | — | $214 | 1.29% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 WEST 13TH STREET FORT WORTH, TX 76102 | UNUM INSURANCE COMPANY | $2K | $576 | $2K | 18.28% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWNTH INSURANCE SERVI | 4330 NORTH CENTRAL EXPRESSWAY SUITE 100 DALLAS, TX 75206 | UNUM INSURANCE COMPANY | $12 | — | $12 | 0.10% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANC | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | UNUM INSURANCE COMPANY | — | $4 | $4 | 0.03% |
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 | 202 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 271 | $1.3M |
| Dental(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 271 | $1.3M |
| Vision(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 271 | $1.3M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY AMERICA | 201 | $94K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 51 | $17K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY AMERICA | 201 | $49K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY AMERICA | 201 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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.