| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $43K | $15K | $58K | 4.34% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $7K | $18K | 16.82% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BNFT SOULTIONS LLC | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 5.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $6K | $15K | 16.90% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BNFT SOLUTIONS LLC | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $5K | $11K | 16.88% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BNFT SOLUTIONS LLC | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 16.87% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BNFT SOLUTIONS LLC | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 20.40% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $94 | $0 | $94 | 0.78% |
| DARELL LAWAYNE EIDSON3 | 246 INVERNESS CTR DR BIRMINGHAM, AL 35242 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41 | $0 | $41 | 0.34% |
| TIA GROUP, LLC3 Filed as: TIA GROUP LLC | 8000 IH 10 W STE 950 SAN ANTONIO, TX 78230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9 | $0 | $9 | 0.07% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $633 | $455 | $1K | 17.20% |
| DARELL LAWAYNE EIDSON3 | 246 INVERNESS CTR DR BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $125 | $0 | $125 | 3.68% |
| TIA GROUP, LLC3 Filed as: TIA GROUP LLC | 8000 IH 10 W STE 950 SAN ANTONIO, TX 78230 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.41% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS SERVICES INC | 246 INVERNESS CENTER DR BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.18% |
| GREGORY ALAN STEVENS3 | 4123 CLIFF OAKS SAN ANTONIO, TX 78229 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.12% |
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 | 524 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 529 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 951 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 951 | $1.3M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 951 | $1.3M |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 540 | $145K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 540 | $91K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 540 | $68K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 951 | $1.3M |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 540 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 951 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.