| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHAPMAN SCHEWE & CUTSHALL LC3 Filed as: CHAPMAN, SCHEWE & CUTSHALL, LC | 11700 KATY FWY STE 1100 HOUSTON, TX 77079 | UNITED HEALTHCARE INSURANCE COMPANY | $311K | — | $311K | 2.19% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS HOUSTON LLC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 77056 | UNITED HEALTHCARE INSURANCE COMPANY | $178K | — | $178K | 1.25% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 W 13TH ST FORT WORTH, TX 761024657 | KAISER FOUNDATION HEALTH PLAN INC | $43K | — | $43K | 3.30% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST FL 6 SAN DIEGO, CA 921018156 | KAISER FOUNDATION HEALTH PLAN INC | $27K | — | $27K | 2.05% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | — | DELTA DENTAL INSURANCE COMPANY | $34K | — | $34K | 4.33% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | — | DELTA DENTAL INSURANCE COMPANY | $33K | — | $33K | 4.19% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1120 SANCTUARY PKWY. #300 ALPHARETTA, GA 30009 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $6K | — | $6K | 0.89% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1120 SANCTUARY PKWY STE 375 ALPHARETTA, GA 300097631 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $42K | $542 | $43K | 12.93% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | 500 W 13TH ST FORT WORTH, TX 76102 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $22K | $17K | $39K | 11.76% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN RD SOLON, OH 441393966 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $25K | $25K | 7.41% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST FL 6 SAN DIEGO, CA 921018156 | KAISER FOUNDATION HEALTH PLAN INC | $8K | — | $8K | 2.64% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 W 13TH ST FORT WORTH, TX 761024657 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 1.74% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | 500 W 13TH ST FORT WORTH, TX 76102 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $26K | $13K | $39K | 12.83% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1120 SANCTUARY PKWY STE 375 ALPHARETTA, GA 300097631 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $32K | $442 | $32K | 10.67% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN RD SOLON, OH 441393966 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $0 | $9K | $9K | 3.04% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | — | DELTA DENTAL PROGRAMS, INC. | $10K | — | $10K | 4.90% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | — | DELTA DENTAL PROGRAMS, INC. | $9K | — | $9K | 4.42% |
| CHAPMAN SCHEWE - HOUSTON3 | HIGGINBOTHAM ASSOC FT. WORTH, TX 76102 | EYEMED VISION CARE | $2K | — | $2K | 2.48% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES LLC - GA | 5444 WESTHEIMER RD #900 HOUSTON, TX 77056 | EYEMED VISION CARE | $1K | — | $1K | 1.40% |
| CHAPMAN SCHEWE - HOUSTON3 | HIGGINBOTHAM ASSOC FT. WORTH, TX 76102 | EYEMED VISION CARE | $2K | — | $2K | 3.27% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES LLC - GA | 5444 WESTHEIMER RD #900 HOUSTON, TX 77056 | EYEMED VISION CARE | $1K | — | $1K | 1.59% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC, | 1120 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | AETNA LIFE INSURANCE COMPANY | $4K | — | $4K | 6.00% |
| CHAPMAN SCHEWE - HOUSTON3 | HIGGINBOTHAM ASSOC FT. WORTH, TX 76102 | EYEMED VISION CARE | $241 | — | $241 | 3.35% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES LLC - GA | 5444 WESTHEIMER RD #900 HOUSTON, TX 77056 | EYEMED VISION CARE | $119 | — | $119 | 1.65% |
| CHAPMAN SCHEWE - HOUSTON3 | HIGGINBOTHAM ASSOC FT. WORTH, TX 76102 | EYEMED VISION CARE | $26 | — | $26 | 4.85% |
| CHAPMAN SCHEWE - HOUSTON3 | HIGGINBOTHAM ASSOC FT. WORTH, TX 76102 | EYEMED VISION CARE | $14 | — | $14 | 3.75% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES LLC - GA | 5444 WESTHEIMER RD #900 HOUSTON, TX 77056 | EYEMED VISION CARE | $8 | — | $8 | 2.14% |
| CHAPMAN SCHEWE - HOUSTON3 | HIGGINBOTHAM ASSOC FT. WORTH, TX 76102 | EYEMED VISION CARE | $13 | — | $13 | 3.81% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES LLC - GA | 5444 WESTHEIMER RD #900 HOUSTON, TX 77056 | EYEMED VISION CARE | $4 | — | $4 | 1.17% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES LLC - GA | 5444 WESTHEIMER RD #900 HOUSTON, TX 77056 | EYEMED VISION CARE | $2 | — | $2 | 7.14% |
| CHAPMAN SCHEWE - HOUSTON3 | HIGGINBOTHAM ASSOC FT. WORTH, TX 76102 | EYEMED VISION CARE | $1 | — | $1 | 3.57% |
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 | 2,821 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 56 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,877 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 2,213 | $14.3M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL INSURANCE COMPANY | 1,195 | $1.0M |
| Vision(8 contracts, 2 carriers) | EYEMED VISION CARE | 1,207 | $223K |
| Life insurance(2 contracts) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 1,670 | $634K |
| Short-term disability(2 contracts) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 1,670 | $634K |
| Long-term disability(2 contracts) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 1,670 | $634K |
| Other(2 contracts) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 1,670 | $634K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,213 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.