| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $18K | $0 | $18K | 14.25% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE | 91 LAKE MORTON DR LAKELAND, FL 33801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 11.97% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.34% |
| SBP, LLC5 | 13 WHITE FIELD CT AMBLER, PA 19002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.86% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE | 91 LAKE MORTON DR LAKELAND, FL 33801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $862 | $3K | 11.53% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.48% |
| SBP, LLC5 | 13 WHITE FIELD CT AMBLER, PA 19002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.36% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE | 91 LAKE MORTON DR LAKELAND, FL 33801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $785 | $3K | 11.83% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.23% |
| SBP, LLC5 | 13 WHITE FIELD CT AMBLER, PA 19002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.96% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE | 91 LAKE MORTON DR LAKELAND, FL 33801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $367 | $2K | 15.17% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $919 | $0 | $919 | 8.04% |
| SBP, LLC5 | 13 WHITE FIELD CT AMBLER, PA 19002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 16.84% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE | 91 LAKE MORTON DR LAKELAND, FL 33801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $775 | $269 | $1K | 11.49% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $588 | $0 | $588 | 6.47% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE | 91 LAKE MORTON DR LAKELAND, FL 33801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $472 | $270 | $742 | 9.71% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $292 | $0 | $292 | 3.82% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE | 91 LAKE MORTON DR LAKELAND, FL 33801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $413 | $215 | $628 | 9.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $284 | $0 | $284 | 4.07% |
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 | 277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 191 | $127K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 191 | $127K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 277 | $41K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 90 | $29K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 67 | $26K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 277 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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.
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.