| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | HEALTH CARE SERVICE CORPORATION | $145K | $0 | $145K | 2.63% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $274 | $14K | 10.20% |
| STEALTH PARTNER GROUP LLC3 | 18940 N PIMA RD #210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 5.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $220 | $11K | 10.21% |
| STEALTH PARTNER GROUP LLC3 | 18940 N PIMA RD #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 | $8K | $170 | $8K | 10.21% |
| STEALTH PARTNER GROUP LLC3 | 18940 N PIMA RD #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 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.07% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $73 | $4K | 10.21% |
| STEALTH PARTNER GROUP LLC3 | 18940 N PIMA RD #210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 27.01% |
| DARELL LAWAYNE EIDSON3 | 246 INVERNESS CTR DR BIRMINGHAM, AL 35242 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37 | $0 | $37 | 0.21% |
| TIA GROUP, LLC3 Filed as: TIA GROUP LLC | 8000 IH 10 W #950 SAN ANTONIO, TX 78230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8 | $0 | $8 | 0.05% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $747 | $16 | $763 | 10.21% |
| STEALTH PARTNER GROUP LLC3 | 18940 N PIMA RD #210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $374 | $374 | 5.01% |
| DARELL LAWAYNE EIDSON3 | 246 INVERNESS CTR DR BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $202 | $0 | $202 | 4.23% |
| TIA GROUP, LLC3 Filed as: TIA GROUP LLC | 8000 IH 10 W #950 SAN ANTONIO, TX 78230 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 0.50% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH | WORKSITE BENEFIT SERVICES INC 246 INVERNESS CENTER DR BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.21% |
| GREGORY ALAN STEVENS3 | 4123 CLIFF OAKS SAN ANTONIO, TX 78229 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.10% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $29 | $0 | $29 | 15.03% |
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 | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 646 | $5.5M |
| Dental | HEALTH CARE SERVICE CORPORATION | 646 | $5.5M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 551 | $44K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 375 | $181K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 375 | $109K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 375 | $80K |
| Other(5 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 375 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 646 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.