| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $74K | $0 | $74K | 4.98% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $30K | $0 | $30K | 10.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.98% |
| PHILLIP M. ERNEST & ASSOCIATES, INC3 Filed as: PHILLIP M WRNEST AND ASSOCIATES INC | 3125 MARQUITA DR FORT WORTH, TX 76116 | PRE-PAID LEGAL SERVICES DBA LEGALSHEILD | $2K | $0 | $2K | 12.86% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | PRE-PAID LEGAL SERVICES DBA LEGALSHEILD | $775 | $0 | $775 | 5.21% |
| JONATHAN A. GAINES3 Filed as: JONATHAN A GAINES | 7208 WARWICK CT NOTRTH RICHLAND HILLS, TX 76180 | PRE-PAID LEGAL SERVICES DBA LEGALSHEILD | $27 | $0 | $27 | 0.18% |
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 | 495 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 497 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 881 | $1.5M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 614 | $35K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 495 | $301K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 495 | $301K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 881 | $1.5M |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 881 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 881 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.