| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 STE 3008 FORT WORTH, TX 76101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $0 | $8K | 9.92% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 STE 3008 FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 22.03% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 STE 3008 FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 22.05% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 STE 3008 FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 21.94% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 STE 3008 FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $677 | $2K | 23.20% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 STE 3008 FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $834 | $301 | $1K | 20.41% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 STE 3008 FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $545 | $218 | $763 | 20.99% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 STE 3008 FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $542 | $211 | $753 | 20.82% |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 75 | $79K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 75 | $79K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $34K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 103 | $33K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $21K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 103 | — |
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.