| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 WEST 13TH STREET FORT WORTH, TX 76102 | BLUECROSS BLUESHIELD OF TEXAS | $71K | $5K | $76K | 2.16% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 NORTH CAPITAL OF TEXAS SUITE 200 AUSTIN, TX 78746 | BLUECROSS BLUESHIELD OF TEXAS | $24K | $5 | $24K | 0.69% |
| INGURAN LLC3 Filed as: INGURAN, LLC | 22575 STATE HIGHWAY 6 SOUTH NAVASOTA, TX 77868 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $2 | $2 | 0.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 1826 NORTH LOOP 1604 WEST SUITE 375 SAN ANTONIO, TX 78248 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34K | $12K | $46K | 9.73% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3699 NORTH CAOUTAK OF TEXAS HIGHWAY SUITE 1 AUSTIN, TX 78746 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | $0 | $23K | 4.95% |
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 | 572 | 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) | 572 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 777 | $3.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 584 | $470K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 584 | $470K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 584 | $470K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 584 | $470K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 584 | $470K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 777 | $3.5M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 584 | $470K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 777 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.