| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IRB VENTURES LP Filed as: IRB VENTURES | 25282 NORTHWEST FREEWAY #170 CYPRESS, TX 77429 | BLUE CROSS BLUE SHIELD OF TEXAS | $211K | $4K | $215K | 5.39% |
| HIGGINBOTHAM INS AGENCY INC Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | 500 W 13TH ST FORT WORTH, TX 76102 | BLUE CROSS BLUE SHIELD OF TEXAS | $70K | — | $70K | 1.76% |
| IRB VENTURES LP3 | 25282 NORTHWEST FREEWAY #170 CYPRESS, TX 77429 | SUN LIFE ASSURANCE COMPANY OF CANADA | $88K | — | $88K | 11.04% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | SUN LIFE ASSURANCE COMPANY OF CANADA | $32K | — | $32K | 4.02% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 W 13TH ST FORT WORTH, TX 76102 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 0.56% |
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 | 536 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 536 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 536 | $4.0M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 574 | $799K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 574 | $799K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 574 | $799K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 574 | $799K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 574 | $799K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 574 | — |
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.