| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $78K | $88K | 5.60% |
| KERI NORTON3 Filed as: KERI M NORTON | 12472 FM 2728 TERRELL, TX 75161 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 7.62% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 5.50% |
| KIMBERLY K DIXON3 | 8380 WARREN PKWY ST 303 FRISCO, TX 75034 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 2.77% |
| LINDA A LECIEJEWSKI3 Filed as: LINDA ANNE LECIEJEWSKI | 1327 SPIRIT FALLS DR FRISCO, TX 750330955 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: TONYA BROWN | 827 COLORADO RIVER DRIVE GRANBURY, TX 76048 | CONTINENTAL AMERICAN INSURANCE COMPANY | $716 | $0 | $716 | 0.67% |
| KERI NORTON3 | 12472 FM 2728 TERRELL, TX 75161 | CONTINENTAL AMERICAN INSURANCE COMPANY | $581 | $0 | $581 | 0.54% |
| LORI J THOMPSON3 Filed as: LORI JEAN THOMPSON | 1319 W MAIN ST # 6 GUN BARREL CITY, TX 751565456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $560 | $0 | $560 | 0.52% |
| NANCY E ODOM3 Filed as: NANCY EUGENIA ODOM | 5921 STONE MEADOW DR PLANO, TX 750935456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $314 | $0 | $314 | 0.29% |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 248 | $1.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 248 | $1.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 248 | $1.6M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 248 | $1.6M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 248 | $1.6M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 248 | $1.6M |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 42 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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."
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.