| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | HEALTH CARE SERVICE CORPORATION | $67K | $0 | $67K | 3.90% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | AMERITAS LIFE INSURANCE CORPORATION | $10K | $0 | $10K | 10.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | TRUSTMARK INSURANCE COMPANY | $4K | $0 | $4K | 14.77% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY STE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $4K | $0 | $4K | 13.97% |
| AMERICAP INSURANCE GROUP LLC3 Filed as: AMERICAP INSURANCE GROUP | 15770 N DALLAS PARKWAY STE 600 DALLAS, TX 75248 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 6.14% |
| BRYAN INGLIS3 | 6122 GARDEN LAKES LANE SUGARLAND, TX 77479 | TRUSTMARK INSURANCE COMPANY | $348 | $0 | $348 | 1.23% |
| ALLEN BAKER3 Filed as: ALLEN C BAKER | 12214 COBBLE COVE CIRCLE CYPRESS, TX 77433 | TRUSTMARK INSURANCE COMPANY | $185 | $0 | $185 | 0.65% |
| BRENNAN D BAKER3 | 5815 WASHINGTON AVE C HOUSTON, TX 77007 | TRUSTMARK INSURANCE COMPANY | $119 | $0 | $119 | 0.42% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | TRUSTMARK INSURANCE COMPANY | $5K | $0 | $5K | 17.76% |
| PROESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY STE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $3K | $0 | $3K | 12.64% |
| AMERICAP INSURANCE GROUP LLC3 Filed as: AMERICAP INSURANCE GROUP | 15770 N DALLAS PARKWAY STE 600 DALLAS, TX 75248 | TRUSTMARK INSURANCE COMPANY | $1K | $0 | $1K | 5.24% |
| BRYAN INGLIS3 | 6122 GARDEN LAKES LANE SUGARLAND, TX 77479 | TRUSTMARK INSURANCE COMPANY | $314 | $0 | $314 | 1.17% |
| ALLEN BAKER3 Filed as: ALLEN C BAKER | 12214 COBBLE COVE CIRCLE CYPRESS, TX 77433 | TRUSTMARK INSURANCE COMPANY | $169 | $0 | $169 | 0.63% |
| BRENNAN D BAKER3 | 5815 WASHINGTON AVE C HOUSTON, TX 77007 | TRUSTMARK INSURANCE COMPANY | $107 | $0 | $107 | 0.40% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY STE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 23.37% |
| AMERICAP INSURANCE GROUP LLC3 Filed as: AMERICAP INSURANCE GROUP | 15770 N DALLAS PARKWAY STE 600 DALLAS, TX 75248 | TRUSTMARK INSURANCE COMPANY | $1K | $0 | $1K | 12.01% |
| BRYAN INGLIS3 | 6122 GARDEN LAKES LANE SUGARLAND, TX 77479 | TRUSTMARK INSURANCE COMPANY | $235 | $0 | $235 | 2.37% |
| ALLEN BAKER3 Filed as: ALLEN C BAKER | 12214 COBBLE COVE CIRCLE CYPRESS, TX 77433 | TRUSTMARK INSURANCE COMPANY | $119 | $0 | $119 | 1.20% |
| BRENNAN D BAKER3 | 5815 WASHINGTON AVE C HOUSTON, TX 77007 | TRUSTMARK INSURANCE COMPANY | $78 | $0 | $78 | 0.79% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | TRUSTMARK INSURANCE COMPANY | $6 | $0 | $6 | 0.06% |
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 | 375 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 294 | $1.7M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 730 | $104K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 730 | $104K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 375 | $87K |
| Other(3 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 375 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 730 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.