| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: MEADORS ADAMS LEE INSURANCE | 100 RIVERMARKET AVE LITTLE ROCK, AR 72201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $19K | $19K | 2.59% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $18K | $18K | 2.41% |
| ASSUREDPARTNERS3 Filed as: MEADORS ADAMS LEE INSURANCE | 100 RIVERMARKET AVE STE 300 FORT WORTH, TX 72201 | DELTA DENTAL OF TENNESSEE | $4K | $0 | $4K | 3.16% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | DELTA DENTAL OF TENNESSEE | $1K | $0 | $1K | 1.23% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 9.23% |
| MEADOR ADAMS LEE INSURANCE3 | 100 RIVER MARKET AVENUE STE 300 LITTLE ROCK, AR 72201 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.42% |
| ASSUREDPARTNERS3 Filed as: MEADORS ADAMS LEE INSURANCE | PO BOX 3456 LITTLE ROCK, AR 72203 | METROPOLITAN LIFE INSURANCE COMPANY | $666 | $0 | $666 | 6.19% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE EXT STE 100 MEMPHIS, TN 38112 | METROPOLITAN LIFE INSURANCE COMPANY | $583 | $0 | $583 | 5.42% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | AMERICAN UNITED LIFE INSURANCE COMPANY | $854 | $0 | $854 | 8.01% |
| MEADOR ADAMS LEE INSURANCE3 | 100 RIVER MARKET AVENUE STE 300 LITTLE ROCK, AR 72201 | AMERICAN UNITED LIFE INSURANCE COMPANY | $852 | $0 | $852 | 7.99% |
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 | 229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 61 | $730K |
| Dental | DELTA DENTAL OF TENNESSEE | 229 | $117K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 246 | $75K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 246 | $85K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 246 | $75K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 12 | $11K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 22 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.