| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 9.13% |
| BYARS-WRIGHT, INC.3 | PO BOX 1309 JASPER, AL 35502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $913 | $2K | $3K | 2.97% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 9.19% |
| BYARS-WRIGHT, INC.3 | PO BOX 1309 JASPER, AL 35502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $558 | $1K | $2K | 2.81% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.20% |
| BYARS-WRIGHT, INC.3 | PO BOX 1309 JASPER, AL 35502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $406 | $1K | $1K | 2.82% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.19% |
| BYARS-WRIGHT, INC.3 | PO BOX 1309 JASPER, AL 35502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $374 | $927 | $1K | 2.81% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 13.76% |
| BYARS-WRIGHT, INC.3 | PO BOX 1309 JASPER, AL 35502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $507 | $848 | $1K | 3.32% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | VISION SERVICE PLAN | $3K | $0 | $3K | 10.18% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $13 | $0 | $13 | 0.05% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 13.79% |
| BYARS-WRIGHT, INC.3 | PO BOX 1309 JASPER, AL 35502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $376 | $396 | $772 | 3.32% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 13.78% |
| BYARS-WRIGHT, INC.3 | PO BOX 1309 JASPER, AL 35502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $281 | $385 | $666 | 2.89% |
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 | 275 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 352 | $2.5M |
| Vision | VISION SERVICE PLAN | 210 | $25K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 273 | $155K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 285 | $46K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 273 | $69K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 352 | $2.5M |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 273 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.