| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W 13TH STREET FORT WORTH, TX 76102 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $36K | $36K | 5.37% |
| HOTCHKISS INSURANCE AGENCY LLC3 | 4120 INTERNATIONAL PKWY STE 2000 CARROLLTON, TX 75007 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $6K | $6K | 0.92% |
| DALLAS INSURANCE EXCHANGE II INC3 Filed as: DALLAS INSURANCE EXCHANGE | 15660 DALLAS PWKY STE 500 LB 60 DALLAS, TX 75248 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 0.15% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | — | BLUECROSS BLUESHIELD OF TEXAS | $5K | $3K | $8K | 14.09% |
| HOTCHKISS INSURANCE AGENCY LLC3 | — | BLUECROSS BLUESHIELD OF TEXAS | $884 | $0 | $884 | 1.52% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 11700 KATY FREEWAY, STE 1100 HOUSTON, TX 77079 | DEARBORN LIFE INSURANCE COMPANY | $2K | $631 | $2K | 23.72% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W 13TH STREET FORT WORTH, TX 76102 | EYEMED VISION CARE | $519 | $0 | $519 | 7.80% |
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 | 96 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 143 | $670K |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 151 | $58K |
| Vision | EYEMED VISION CARE | 145 | $7K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 96 | $9K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 96 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.
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.