| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENRY & HOOPER, LLP3 Filed as: HENRY & HOOPER LLC | 2505 DOG LEG TRAIL MCKINNEY, TX 75069 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 6.69% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 WEST 13TH ST FORT WORTH, TX 76102 | STANDARD INSURANCE COMPANY | $392 | $0 | $392 | 2.42% |
| HENRY & HOOPER, LLP3 | 2505 DOG LEG TRAIL MCKINNEY, TX 75069 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 16.14% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 6200 CANOGA AVE #300 WOODLAND HILLS, CA 91367 | STANDARD INSURANCE COMPANY | $488 | $0 | $488 | 4.38% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 WEST 13TH ST FORT WORTH, TX 76102 | STANDARD INSURANCE COMPANY | $260 | $0 | $260 | 2.34% |
| HENRY & HOOPER, LLP3 | 2505 DOG LEG TRAIL MCKINNEY, TX 75069 | STANDARD INSURANCE COMPANY | $925 | $0 | $925 | 12.70% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 6200 CANOGA AVE #300 WOODLAND HILLS, CA 91367 | STANDARD INSURANCE COMPANY | $308 | $0 | $308 | 4.23% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 WEST 13TH ST FORT WORTH, TX 76102 | STANDARD INSURANCE COMPANY | $171 | $0 | $171 | 2.35% |
| HENRY & HOOPER, LLP3 | 2505 DOG LEG TRAIL MCKINNEY, TX 75069 | STANDARD INSURANCE COMPANY | $307 | $0 | $307 | 12.63% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 6200 CANOGA AVE #300 WOODLAND HILLS, CA 91367 | STANDARD INSURANCE COMPANY | $102 | $0 | $102 | 4.20% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 WEST 13TH ST FIRTH WORTH, TX 76102 | STANDARD INSURANCE COMPANY | $57 | $0 | $57 | 2.35% |
| HENRY & HOOPER, LLP3 Filed as: HENRY & HOOPER LLC | 2505 DOG LEG TRAIL MCKINNEY, TX 75069 | STANDARD INSURANCE COMPANY | $144 | $0 | $144 | 6.76% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 WEST 13TH ST FORT WORTH, TX 76102 | STANDARD INSURANCE COMPANY | $48 | $0 | $48 | 2.25% |
| HENRY & HOOPER, LLP3 | 2505 DOG LEG TRAIL MCKINNEY, TX 75069 | STANDARD INSURANCE COMPANY | $135 | $0 | $135 | 12.70% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 6200 CANOGA AVE #300 WOODLAND HILLS, CA 91367 | STANDARD INSURANCE COMPANY | $45 | $0 | $45 | 4.23% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 WEST 13TH ST FORT WORTH, TX 76102 | STANDARD INSURANCE COMPANY | $25 | $0 | $25 | 2.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HENRY & HOOPER, LLP EIN 92-1486474 BROKER | Insurance agents and brokers Service code 22 | — | $15K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $11K |
| INDEPENDENCE ADMINISTRATORS (IA) EIN 23-2184623 ADMIN | Claims processing Service code 12 | — | $5K |
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 | 61 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 61 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 28 | $16K |
| Vision | STANDARD INSURANCE COMPANY | 21 | $2K |
| Life insurance | STANDARD INSURANCE COMPANY | 61 | $7K |
| Short-term disability | STANDARD INSURANCE COMPANY | 4 | $2K |
| Long-term disability | STANDARD INSURANCE COMPANY | 2 | $1K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY | 33 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 61 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.