| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | HEALTH CARE SERVICE CORPORATION | $53K | $0 | $53K | 9.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | — | HEALTH CARE SERVICE CORPORATION | $0 | $3K | $3K | 0.45% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | HARTFORD LIFE AND ACCIDENT | $4K | $118 | $4K | 15.43% |
| JENNIFER R RECTOR3 | PO BOX 870 CORPUS CHRISTI, TX 78401 | DEARBORN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.31% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | DEARBORN LIFE INSURANCE COMPANY | -$46 | $353 | $307 | 2.22% |
| GBS SPECIALTY MARKETS, LLC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 95.89% |
| DEBORAH LEGROS Filed as: DEBORAH SUE LEGROS | 6769 WOOD IRON CORPUS CHRISTI, TX 78413 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | $0 | $46 | 1.78% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | $0 | $43 | 1.67% |
| SANDRA C CANTU | 5402 FISHER CIR CORPUS CHRISTI, TX 78413 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 0.43% |
| GILBERT MARK ELIZONDO | 6817 PRINCESS JEAN CORPUS CHRISTI, TX 78417 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | $0 | $7 | 0.27% |
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 | 211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 153 | $573K |
| Dental | HEALTH CARE SERVICE CORPORATION | 153 | $573K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 85 | $14K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 208 | $28K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 208 | $28K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 208 | $28K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 208 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.
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.