| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 1221 SOUTH MO PAC EXPRESSWAY AUSTIN, TX 78746 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $60K | $60K | 3.47% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $32K | $32K | 1.88% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 WEST 13TH STREET FORT WORTH, TX 76102 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $57 | $7K | 6.26% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISION & THOMAS INC DBA | 20 SOUTH KING STREET LEESBURG, VA 20175 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 4.57% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 20 SOUTH KING STREET LEESBURG, VA 20175 | PRINCIPAL LIFE INSURANCE COMPANY | — | $983 | $983 | 0.85% |
| TCS INSURANCE AGENCY INC3 | 100 SMITH RANCH ROAD SUITE 340 SAN RAFAEL, CA 94903 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 8.52% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 20 SOUTH KING STREET LEESBURG, VA 20175 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $944 | $5K | 4.91% |
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 | 162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 245 | $1.7M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 152 | $115K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 152 | $115K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 162 | $108K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 162 | $108K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 162 | $108K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 162 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.