| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INS. AGENCY INC. | 500 W. 13TH ST. FORT WORTH, TX 76102 | STANDARD INSURANCE COMPANY | $883 | — | $883 | 2.05% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | P.O. BOX 908 FORT WORTH, TX 76101 | STANDARD INSURANCE COMPANY | $645 | — | $645 | 1.50% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | P.O. BOX 908 FORT WORTH, TX 76101 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.27% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INS. AGENCY INC. | 500 W. 13TH ST. FORT WORTH, TX 76102 | STANDARD INSURANCE COMPANY | $680 | — | $680 | 1.94% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | P.O. BOX 908 FORT WORTH, TX 76101 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 9.60% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INS. AGENCY INC. | 500 W. 13TH ST. FORT WORTH, TX 76102 | STANDARD INSURANCE COMPANY | $865 | — | $865 | 2.48% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | P.O. BOX 908 FORT WORTH, TX 76101 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 27.17% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INS. AGENCY INC. | 500 W. 13TH ST. FORT WORTH, TX 76102 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 7.31% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | P.O. BOX 908 FORT WORTH, TX 76101 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 8.47% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INS. AGENCY INC. | 500 W. 13TH ST. FORTH WORTH, TX 76102 | STANDARD INSURANCE COMPANY | $286 | — | $286 | 1.93% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | P.O. BOX 908 FORT WORTH, TX 76101 | STANDARD INSURANCE COMPANY | $233 | — | $233 | 2.22% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INS. AGENCY INC. | 500 W. 13TH ST. FORT WORTH, TX 76102 | STANDARD INSURANCE COMPANY | $179 | — | $179 | 1.70% |
| CRUMDALE SPECIALTY0 | 222 W. LANCASTER AVE. PAOLI, PA 19301 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $1K | $1K | 14.98% |
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 | 224 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 153 | $43K |
| Vision | STANDARD INSURANCE COMPANY | 149 | $11K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 128 | $22K |
| Short-term disability | STANDARD INSURANCE COMPANY | 219 | $35K |
| Long-term disability | STANDARD INSURANCE COMPANY | 219 | $35K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 118 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.