| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER ADVOCATES LLC3 | 4801 GAILLARDIA PARKWAY OKLAHOMA CITY, OK 73142 | DELTA DENTAL | $4K | $0 | $4K | 6.00% |
| EMPLOYER ADVOCATES LLC3 | PO BOX 269031 OKLAHOMA CITY, OK 73126 | HARTFORD LIFE AND ACCIDENT | $6K | $0 | $6K | 13.77% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INS AGENCY INC. | 1826 NORTH LOOP 1604 W SUITE 375 SAN ANTONIO, TX 78248 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $460 | $5K | 21.84% |
| JOHN J MCGURRAN3 Filed as: JOHN H MCGURRAN | 15303 DALLAS PKWY ADDISON, TX 75001 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $50 | $0 | $50 | 0.20% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM & ASSOCIATES | 500 WEST 13TH STREET FT. WORTH, TX 76102 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.36% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 WEST 13TH STREET FT. WORTH, TX 76102 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 21.01% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 133 | $75K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 225 | $17K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 213 | $43K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 35 | $9K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 213 | $43K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 213 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.