| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR DALLAS, TX 75251 | AETNA LIFE INSURANCE CO. | $23K | — | $23K | 2.05% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 11700 KATY FREEWAY HOUSTON, TX 77079 | AETNA LIFE INSURANCE CO. | $9K | — | $9K | 0.78% |
| HIGGINBOTHAM INS AGENCY INC3 | 500 WEST 13TH ST FORT WORTH, TX 76102 | HARTFORD LIFE AND ACCIDENT | $7K | $3K | $10K | 14.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGGINBOTHAM INSURANCE AGENCY BROKER | Insurance agents and brokers Service code 22 | 11700 KATY FREEWAY HOUSTON, TX 77079 | $48K |
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 | 263 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 263 | $1.1M |
| Dental | AETNA LIFE INSURANCE CO. | 263 | $1.1M |
| Vision | AETNA LIFE INSURANCE CO. | 263 | $1.1M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 283 | $73K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 283 | $73K |
| Other | HARTFORD LIFE AND ACCIDENT | 283 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.