| 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 | $81K | — | $81K | 2.87% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | HARTFORD LIFE AND ACCIDENT | $38K | — | $38K | 15.90% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | PO BOX 2291 DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | — | $17K | $17K | 7.00% |
| HIGGINBOTHAM INS AGENCY INC3 | 500 W 13TH STREET FORTH WORTH, TX 76102 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 1.22% |
| HIGGINBOTHAM INS AGENCY INC3 | 1826 NORTH LOOP 1604 W SUITE 375 SAN ANTONIO, TX 78248 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $321 | $15K | 43.45% |
| HIGGINBOTHAM INS AGENCY INC3 | 500 WEST 13TH ST FORT WORTH, TX 76102 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 9.90% |
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 | 471 | 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) | 471 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 467 | $2.8M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 348 | $34K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 421 | $30K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 467 | $241K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 467 | $241K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 467 | $241K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 467 | $2.8M |
| Other | HARTFORD LIFE AND ACCIDENT | 467 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 467 | — |
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.