| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 W 13TH ST, SUITE 250 FORT WORTH, TX 76102 | CIGNA | $6K | — | $6K | 10.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 W. 13TH ST FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.52% |
| REYNOLDS JONES INSURANCE GROUP, INC3 | 1909 CENTRAL DR. STE 101 BEDFORD, TX 76021 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.52% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 W. 13TH ST, SUITE 250 FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 W. 13TH ST / SUITE 250 FORT WORTH, TX 76102 | CIGNA | $2K | — | $2K | 10.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 W. 13TH ST, SUITE 250 FORT WORTH, TX 76102 | VISION SERVICE PLAN | $2K | — | $2K | 10.80% |
| DWIGHT L PIERCE3 | BENEFITS TECHNOLOGIES DIV 15 20 WIGHT AVE STE 160 COCKEYSVILLE, MD 21030 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 1.68% |
| AON CONSULTING INC3 Filed as: AON CONSULTING- FT WORTH | PO BOX 905494 CHARLOTTE, NC 28290 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.93% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 W. 13TH ST, SUITE 250 FORT WORTH, TX 76102 | CIGNA | $50 | — | $50 | 10.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $97K |
| HIGGINBOTHAM INSURANCE AGENCY INC. EIN 73-1732559 BROKER | Other commissions Service code 55 | — | $15K |
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 | 196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 111 | $16K |
| Life insurance | CIGNA | 114 | $61K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $32K |
| Long-term disability | CIGNA | 77 | $20K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 116 | $373K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 196 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.