| 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 | HEALTH CARE SERVICE CORPORATION | $90K | $6K | $96K | 5.63% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | DEARBORN LIFE INSURANCE COMPANY | $15K | $3K | $18K | 16.70% |
| KERI NORTON3 | 12472 FM 2728 TERRELL, TX 75161 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 7.81% |
| KIMBERLY KAY DIXON3 | 2300 MAIDENS CASTLE DR LEWISVILLE, TX 75056 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 5.28% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.40% |
| LINDA A LECIEJEWSKI3 Filed as: LINDA ANNE LECIEJEWSKI | 1327 SPIRIT FALLS DR FRISCO, TX 750330955 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: TONYA BROWN | 827 COLORADO RIVER DR GRANBURY, TX 76048 | CONTINENTAL AMERICAN INSURANCE COMPANY | $698 | $0 | $698 | 1.65% |
| LORI J THOMPSON3 Filed as: LORI JEAN THOMPSON | 1319 W MAIN ST UNIT 6 GUN BARREL CITY, TX 751565456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $142 | $0 | $142 | 0.34% |
| ROBERT ELI WHITNEY3 Filed as: ROBERT D ALLEN | 11632 W TENAZA DR PEORIA, AZ 85383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | $0 | $59 | 0.14% |
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 | 354 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 326 | $1.7M |
| Dental | HEALTH CARE SERVICE CORPORATION | 326 | $1.7M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 359 | $105K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 359 | $105K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 359 | $105K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 359 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.