| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXPERINS, LLC3 | 11211 TAYLOR DRAPER LANE, SUITE 110 AUSTIN, TX 78759 | BLUE CROSS BLUE SHIELD OF TEXAS | $52K | $0 | $52K | 4.23% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INS. AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | BLUE CROSS BLUE SHIELD OF TEXAS | $0 | $1K | $1K | 0.11% |
| EXPERINS, LLC3 | 11211 TAYLOR DRAPER LANE, SUITE 110 AUSTIN, TX 78759 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $0 | $21K | 10.97% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INS. AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $312 | $312 | 0.16% |
| EXPERINS, LLC3 | 11211 TAYLOR DRAPER LANE, SUITE 110 AUSTIN, TX 78759 | HEALTHIEST YOU | $5K | $0 | $5K | 15.00% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 187 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 273 | $195K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 273 | $195K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 273 | $195K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 273 | $195K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 273 | $195K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 187 | $1.2M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 273 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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.