| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 W. 13TH STREET SUITE 250 FORT WORTH, TX 76012 | TOKIO MARINE | — | — | $0 | 0.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 W. 13TH ST / SUITE 250 FORT WORTH, TX 76102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 4350 W. CYPRESS ST. SUITE 300 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $622 | — | $622 | 0.66% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 W. 13TH ST FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.52% |
| REYNOLDS JONES INSURANCE GROUP, INC3 | 1909 CENTRAL DR. STE 101 BEDFORD, TX 76021 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.52% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM & ASSOCIATES | 500 WEST 13TH ST, STE250 FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 16.53% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 W. 13TH ST, SUITE 250 FORT WORTH, TX 76102 | VISION SERVICE PLAN | $1K | — | $1K | 5.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC COMPANY | P.O.BOX 412703 BOSTON, MA 02241 | VISION SERVICE PLAN | $518 | — | $518 | 2.53% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 W. 13TH STREET FORT WORTH, TX 76102 | TELEDOC | $1K | — | $1K | 15.00% |
| REUBIN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 20.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM COMPANY | 500 W. 13TH STREET SUITE 250 FORT WORTH, TX 76102 | FEDERAL INSURANCE COMPANY | $963 | — | $963 | 15.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 W. 13TH ST, SUITE 250 FORT WORTH, TX 76102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $183 | — | $183 | 7.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 4350 W. CYPRESS ST SUITE 300 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $53 | — | $53 | 2.24% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $441 | — | $441 | 19.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH | 9171 TOWNE CENTER DRIVE SUITE 500 SAN DIEGO, CA 92122 | FEDERAL INSURANCE COMPANY | $331 | — | $331 | 15.00% |
| DWIGHT L PIERCE3 | BENEFITS TECHNOLOGIES- DIV 15 20 WIGHT AVE STE 160 COCKEYSVILLE, MD 21030 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 1.50% |
| AON CONSULTING INC3 Filed as: AON COUNSULTING- FT WORTH | P.O. BOX 905494 CHARLOTTE, NC 28290 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.75% |
| 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 | $33 | — | $33 | 14.93% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 W 13TH ST, SUITE 250 FORT WORTH, TX 76102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $118K |
| HIGGINBOTHAM INSURANCE AGENCY INC. EIN 73-1732559 BROKER | Other commissions Service code 55 | — | $12K |
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 | 340 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 152 | $20K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $0 |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $36K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 84 | $95K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 0 | $559K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 168 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.