| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | 500 WEST 13TH STREET FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $9K | $25K | 3.33% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 1.00% |
| HIGGINBOTHAM INS AGENCY INC3 | 500 WEST 13TH STREET FORT WORTH, TX 76102 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $141K | $5K | $147K | 24.48% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 1.00% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 0.61% |
| BENEFITSTORE INC3 | DALLAS REGIONAL LOCKBOX, NO. 893383 RICHARDSON, TX 75081 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 0.43% |
| CHRISTOPHER THOMAS SMITH3 Filed as: CHRISTOPHER MORRIS | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $272 | — | $272 | 0.05% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST S, STE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $210 | — | $210 | 0.04% |
| TRI-CITY BROKERAGE INC3 | 1 N FRANKLIN ST, STE 3500 CHICAGO, IL 60686 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.01% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE | 100 BENEFITFOCUS WAY DANIEL ISLAND, SC 294928378 | RELIASTAR LIFE INSURANCE COMPANY | $55K | — | $55K | 15.46% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE, EXTD, STE 200 MEMPHIS, TN 38112 | RELIASTAR LIFE INSURANCE COMPANY | $14K | — | $14K | 3.85% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMINISTRATION, | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | RELIASTAR LIFE INSURANCE COMPANY | — | $11K | $11K | 3.18% |
| HIGGINBOTHAM INS AGENCY INC3 | 500 WEST 13TH STREET FORT WORTH, TX 761024657 | RELIASTAR LIFE INSURANCE COMPANY | $11K | — | $11K | 3.18% |
| HIGGINBOTHAM INS AGENCY INC3 | 500 WEST 13TH STREET FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $51K | $4K | $54K | 16.13% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.00% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE EXT, SUITE 100 MEMPHIS, TN 38112 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 1.00% |
| HIGGINBOTHAM INS AGENCY INC3 | 620 MABRY HOOD RD STE 201 KNOXVILLE, TN 379322661 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 1.00% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PKWY, SUITE 375 ALPHARETTA, GA 30009 | UNITEDHEALTHCARE INSURANCE COMPANY | $813 | — | $813 | 0.40% |
| HIGGINBOTHAM INS AGENCY INC3 | 2670 UNION AVENUE EXT, SUITE 100 MEMPHIS, TN 38112 | HARTFORD LIFE AND ACCIDENT | $548 | — | $548 | 15.01% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $92 | — | $92 | 6.15% |
| HIGGINBOTHAM INS AGENCY INC3 | 500 WEST 13TH STREET FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21 | — | $21 | 1.40% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10 | — | $10 | 0.67% |
| CHRISTOPHER THOMAS SMITH3 Filed as: CHRISTOPHER MORRIS | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9 | — | $9 | 0.60% |
| HIGGINBOTHAM INS AGENCY INC3 | 500 WEST 13TH STREET FORT WORTH, TX 76102 | FIRST UNUM LIFE INSURANCE COMPANY | $116 | $15 | $131 | 16.95% |
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 | 3,555 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,557 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 4,392 | $202K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,007 | $1.7M |
| Short-term disability(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 2,391 | $958K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,007 | $744K |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,007 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,007 | — |
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.