| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $39K | $39K | 5.70% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $44 | $9K | 9.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | PO BOX 2158 RIVERSIDE, CA 92516 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | -$823 | -$823 | -0.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICE INC | 421 W 3RD ST STE 800 FORT WORTH, TX 76102 | METROPOLITAN LIFE INSURANCE COMPANY | -$5K | $0 | -$5K | -4.89% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $44 | $1K | 12.30% |
| HODGES-MACE LLC3 Filed as: HODGES MACE LLC | 5775 E GLENRIDGE DR STE 500 ATLANTA, GA 30328 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $205 | $205 | 2.02% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | METROPOLITAN LIFE INSURANCE COMPANY | $583 | $44 | $627 | 14.74% |
| HODGES-MACE LLC3 Filed as: HODGES MACE LLC | 5775 E GLENRIDGE DR STE 500 ATLANTA, GA 30328 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $111 | $111 | 2.61% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | METROPOLITAN LIFE INSURANCE COMPANY | $487 | $44 | $531 | 15.01% |
| HODGES-MACE LLC3 Filed as: HODGES MACE LLC | 5775 E GLENRIDGE DR STE 500 ATLANTA, GA 30328 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $97 | $97 | 2.74% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | METLIFE LEGAL PLANS INC | $248 | $0 | $248 | 10.64% |
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 | 413 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 145 | $679K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 449 | $97K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 449 | $97K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 449 | $97K |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 449 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 449 | — |
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.