| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 33213 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | TOKIO MARINE | $26K | $4K | $30K | 6.77% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 W. 13TH STREET SUITE 250 FORT WORTH, TX 76012 | TOKIO MARINE | $18K | — | $18K | 4.11% |
| 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 | $2K | $2K | 2.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 9171 TOWNE CENTRE STE 500 SAN DIEGO, CA 92122 | UNUM INSURANCE COMPANY | $4K | $791 | $4K | 16.46% |
| 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 | $642 | $642 | 2.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC COMPANY | P.O. BOX 412703 BOSTON, MA 02241 | VISION SERVICE PLAN | $2K | — | $2K | 9.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 9171 TOWNE CENTER SUITE 500 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 18.67% |
| LONG TERM CARE SOLUTIONS, INC.3 | 14715 NE 95TH ST SUITE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $547 | — | $547 | 2.72% |
| 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 | -$1K | — | -$1K | -6.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 9171 TOWNE CENTRE SUITE 500 SAN DIEGO, CA 92122 | UNUM INSURANCE COMPANY | $879 | $316 | $1K | 10.52% |
| 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 | $55 | $55 | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 9171 TOWNE CENTRE STE 500 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33 | — | $33 | 14.93% |
| LONG TERM CARE SOLUTIONS, INC.3 Filed as: LONG TERM CARE SOLUTIONS | 14715 NE 95TH ST SUITE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8 | — | $8 | 3.62% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM & ASSOCIATES | 500 WEST 13TH ST, STE250 FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$8 | — | -$8 | -3.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $120K |
| MARSH & MCLENNAN INS AGENCY LLC EIN 26-3237576 BROKER | Other commissions Service code 55 | — | $19K |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 174 | $23K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 82 | $89K |
| Short-term disability(2 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 191 | $15K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 82 | $25K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 153 | $449K |
| Other(4 contracts, 3 carriers) | UNUM INSURANCE COMPANY | 191 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.