| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SOUTH TEJAS INSURANCE AGENCY LLC3 | 128 SHADOW KNOLLS BOERNE, TX 78006 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $40K | $6K | $46K | 27.08% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SRVS USA INC | PO BOX 203383 DALLAS, TX 75320 | UNION SECURITY INSURANCE COMPANY | $1K | $0 | $1K | 5.83% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | UNION SECURITY INSURANCE COMPANY | $1K | $354 | $1K | 5.55% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | UNITED DENTAL CARE OF TEXAS INC | $613 | $197 | $810 | 5.95% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SRVS USA INC | PO BOX 203383 DALLAS, TX 75320 | UNITED DENTAL CARE OF TEXAS INC | $750 | $0 | $750 | 5.51% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | PO BOX 203383 DALLAS, TX 75320 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 11.68% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $432 | $0 | $432 | 4.33% |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 83 | $39K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 168 | $10K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 195 | $171K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 195 | $171K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 195 | $171K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 195 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.