| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 WEST 13TH STREET FORT WORTH, TX 76102 | BLUECROSS BLUESHIELD OF TEXAS | $95K | $23K | $118K | 3.99% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DRIVE, SUITE 100 DALLAS, TX 75251 | BLUECROSS BLUESHIELD OF TEXAS | $33K | $0 | $33K | 1.10% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 WEST 13TH STREET FORT WORTH, TX 76102 | ONE AMERICA | $30K | $2K | $32K | 16.08% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $3K | $16K | 11.18% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 WEST 13TH STREET FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $3K | $12K | 8.23% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 WEST 13TH STREET FORT WORTH, TX 76102 | DEARBORN LIFE INSURANCE COMPANY | $3K | $3K | $6K | 13.80% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | DEARBORN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.54% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | SIMNSA | $2K | $0 | $2K | 7.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 WEST 13TH STREET FORT WORTH, TX 76102 | UNUM INSURANCE COMPANY | $4K | $1K | $5K | 17.78% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | UNUM INSURANCE COMPANY | $449 | $119 | $568 | 2.12% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | KAISER FOUNDATION HEALTH PLAN, INC. | $791 | $0 | $791 | 3.50% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $30 | $0 | $30 | 0.99% |
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 | 696 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 708 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 745 | $3.0M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 745 | $3.0M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 366 | $44K |
| Life insurance(2 contracts, 2 carriers) | ONE AMERICA | 695 | $343K |
| Short-term disability(2 contracts, 2 carriers) | ONE AMERICA | 695 | $343K |
| Long-term disability(2 contracts, 2 carriers) | ONE AMERICA | 695 | $343K |
| Prescription drug(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 745 | $3.0M |
| Other(4 contracts, 4 carriers) | ONE AMERICA | 695 | $372K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 745 | — |
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.