| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHAPMAN SCHEWE & CUTSHALL LC3 | 11700 KATY FREEWAY STE 1100 HOUSTON, TX 77079 | UNITED HEALTHCARE INSURANCE COMPANY | $307K | $0 | $307K | 5.04% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | KAISER FOUNDATION HEALTH PLAN INC | $68K | $0 | $68K | 4.66% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | AETNA LIFE INSURANCE COMPANY | $51K | $11K | $63K | 12.11% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $53K | $0 | $53K | 23.45% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $0 | $12K | $12K | 5.24% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | KAISER FOUNDATION HEALTH PLAN INC | $5K | $0 | $5K | 4.87% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | COMBINED INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 4.97% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | COMBINED INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 5.80% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | COMBINED INSURANCE COMPANY OF AMERICA | $191 | $0 | $191 | 5.96% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | COMBINED INSURANCE COMPANY OF AMERICA | $22 | $0 | $22 | 4.29% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | COMBINED INSURANCE COMPANY OF AMERICA | $9 | $0 | $9 | 5.96% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | COMBINED INSURANCE COMPANY OF AMERICA | $2 | $0 | $2 | 6.25% |
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 | 3,477 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,490 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 1,379 | $6.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 2,960 | $517K |
| Vision(6 contracts) | COMBINED INSURANCE COMPANY OF AMERICA | 1,129 | $90K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 1,920 | $227K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 1,920 | $227K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 1,920 | $227K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 1,920 | $227K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,960 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.