| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 0.09% |
| WOODARD INSURANCE LLP3 Filed as: WOODARD INSURANCE | 1300 S UNIVERSITY DR STE 600 FORT WORTH, TX 76107 | UNITED HEALTHCARE INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | AETNA LIFE INSURANCE COMPANY | $35K | $0 | $35K | 9.07% |
| WOODARD INSURANCE LLP3 Filed as: WOODARD INSURANCE | 1300 S UNIVERSITY DR STE 600 FORT WORTH, TX 76107 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.83% |
| WOODARD INSURANCE LLP3 Filed as: WOODARD INSURANCE | 1300 S UNIVERSITY DR STE 600 FORT WORTH, TX 76107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $0 | $16K | 15.00% |
| WOODARD INSURANCE LLP3 Filed as: WOODARD INSURANCE | 1300 S UNIVERSITY DR STE 600 FORT WORTH, TX 76107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $0 | $14K | 15.00% |
| WOODARD INSURANCE LLP3 Filed as: WOODARD INSURANCE | 1300 S UNIVERSITY DR STE 600 FORT WORTH, TX 76107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 15.00% |
| WOODARD INSURANCE LLP3 Filed as: WOODARD INSURANCE | 1300 S UNIVERSITY DR STE 600 FORT WORTH, TX 76107 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 16.16% |
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 | 817 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 827 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 1,273 | $6.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 955 | $382K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,273 | $6.8M |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 817 | $120K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 328 | $106K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 226 | $67K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 817 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,273 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.