| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 WEST 13TH STREET FORT WORTH, TX 76102 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $32K | — | $32K | 3.43% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 1300 SUMMIT AVE, STE 750 FORT WORTH, TX 76102 | RELIANCE STANDARD | $5K | — | $5K | 20.01% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 E LAKEWOOD ST SPRINGFIELD, MO 65810 | RELIANCE STANDARD | -$1 | — | -$1 | -0.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 1300 SUMMIT AVE, STE 750 FORT WORTH, TX 76102 | RELIANCE STANDARD | $4K | — | $4K | 20.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 1300 SUMMIT AVE, STE 750 FORT WORTH, TX 76102 | RELIANCE STANDARD | $4K | — | $4K | 20.02% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 E LAKEWOOD ST SPRINGFIELD, MO 65810 | RELIANCE STANDARD | -$5 | — | -$5 | -0.02% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 E LAKEWOOD ST SPRINGFIELD, MO 65810 | RELIANCE STANDARD | $543 | — | $543 | 14.85% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 1300 SUMMIT AVE, STE 750 FORT WORTH, TX 76102 | RELIANCE STANDARD | $168 | — | $168 | 4.60% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 1300 SUMMIT AVE, STE 750 FORT WORTH, TX 76102 | RELIANCE STANDARD | $647 | — | $647 | 20.01% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 E LAKEWOOD ST SPRINGFIELD, MO 65810 | RELIANCE STANDARD | $306 | — | $306 | 9.99% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 1300 SUMMIT AVE, STE 750 FORT WORTH, TX 76102 | RELIANCE STANDARD | $153 | — | $153 | 5.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 1300 SUMMIT AVE, STE 750 FORT WORTH, TX 76102 | RELIANCE STANDARD | $187 | — | $187 | 14.97% |
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 | 134 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | RELIANCE STANDARD | 134 | $43K |
| Long-term disability | RELIANCE STANDARD | 129 | $20K |
| Other(4 contracts) | RELIANCE STANDARD | 134 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.