| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 2300 CONTRA COSTA BLVD., STE. 600 PLEASANT HILL, CA 94523 | AETNA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 7.94% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | AETNA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.39% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL INC. | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | AETNA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.89% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL, INC. | 115 OFFICE PARK DRIVE, STE. 200 MOUNTAIN BROOK, AL 35223 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 8.94% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | TRANSAMERICA LIFE INSURANCE COMPANY | $695 | $0 | $695 | 1.06% |
| DISABILITY RMS5 | PO BOX 9757 PORTLAND, ME 04104 | TRANSAMERICA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 13.50% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL INC. | 115 OFFICE PARK DRIVE, STE 200 BIRMINGHAM, AL 35223 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.99% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.01% |
| DISABILITY RMS5 | PO BOX 9757 PORTLAND, ME 04104 | TRANSAMERICA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 13.50% |
| COBBS ALLEN & HALL INC3 Filed as: COBB ALLEN & HALL INC. | 115 OFFICE PARK DRIVE, STE. 200 BIRMINGHAM, AL 35223 | TRANSAMERICA LIFE INSURANCE COMPANY | $983 | $0 | $983 | 6.71% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | TRANSAMERICA LIFE INSURANCE COMPANY | $482 | $0 | $482 | 3.29% |
| COBBS ALLEN & HALL INC3 Filed as: COBS ALLEN & HALL, INC. | 115 OFFICE PARK DRIVE, STE. 200 BIRMINGHAM, AL 35223 | UNITED HEALTHCARE INSURANCE COMPANY | $209 | $0 | $209 | — |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | UNITED HEALTHCARE INSURANCE COMPANY | $161 | $0 | $161 | — |
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 | 204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 307 | $101K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 253 | $0 |
| Life insurance | TRANSAMERICA LIFE INSURANCE COMPANY | 0 | $66K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 132 | $26K |
| Long-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 71 | $15K |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 0 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.