| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL K PARKS3 | 500 W 13TH STREET FORT WORTH, TX 76102 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $62K | — | $62K | 2.89% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | HARTFORD LIFE AND ACCIDENT | $36K | $8K | $44K | 23.88% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | 4611 UNIVERSITY DR DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | — | $14K | $14K | 7.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $1 | $155 | $156 | 0.08% |
| HIGGINBOTHAM INS AGENCY INC3 | 1826 NORTH LOOP 1604 W SUITE 375 SAN ANTONIO, TX 78248 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $503 | $13K | 43.71% |
| HIGGINBOTHAM INS AGENCY INC3 | 500 WEST 13TH ST FORT WORTH, TX 76102 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 6.58% |
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 | 391 | 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) | 391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 391 | $2.1M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 287 | $29K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 256 | $24K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 383 | $212K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 383 | $212K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 287 | $29K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 391 | $2.1M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 383 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 391 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.