| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.05% |
| FROST INSURANCE AGENCY INC3 | 6750 WEST LOOP S STE 250 BELLAIRE, TX 77401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.95% |
| FROST INSURANCE AGENCY INC3 | PO BOX 33528 FORT WORTH, TX 76162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.38% |
| FROST INSURANCE AGENCY INC3 | 6750 WEST LOOP S STE 250 BELLAIRE, TX 77401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.57% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.43% |
| FROST INSURANCE AGENCY INC3 | PO BOX 33528 FORT WORTH, TX 76162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.64% |
| FROST INSURANCE AGENCY INC3 | 6750 WEST LOOP S STE 250 BELLAIRE, TX 77401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.36% |
| FROST INSURANCE AGENCY INC3 | PO BOX 33528 FORT WORTH, TX 76162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.93% |
| FROST INSURANCE AGENCY INC3 | 6750 WEST LOOP S STE 250 BELLAIRE, TX 77401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $864 | $0 | $864 | 5.06% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $843 | $0 | $843 | 4.94% |
| FROST INSURANCE AGENCY INC3 | PO BOX 33528 FORT WORTH, TX 76162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $424 | $424 | 2.48% |
| FROST INSURANCE AGENCY INC3 | 6750 WEST LOOP S STE 250 BELLAIRE, TX 77401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $812 | $0 | $812 | 7.65% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $781 | $0 | $781 | 7.35% |
| FROST INSURANCE AGENCY INC3 | PO BOX 33528 FORT WORTH, TX 76162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $496 | $496 | 4.67% |
| FROST INSURANCE AGENCY INC3 | 6750 WEST LOOP S STE 250 BELLAIRE, TX 77401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $371 | $0 | $371 | 5.42% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $313 | $0 | $313 | 4.57% |
| FROST INSURANCE AGENCY INC3 | PO BOX 33528 FORT WORTH, TX 76162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $191 | $191 | 2.79% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 107 | $68K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 121 | $17K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 90 | $24K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 47 | $11K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 45 | $22K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 90 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.