| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | HEALTH CARE SERVICE CORPORATION | $63K | $0 | $63K | 4.02% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | HARTFORD LIFE AND ACCIDENT | $27K | $3K | $29K | 16.43% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 4.18% |
| CHARLES P MCCRANN3 | PO BOX 6971 CORPUS CHRISTI, TX 78411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 3.90% |
| DANA MARIE MOWATT3 Filed as: DANA LINDSEY | 5866 S STAPLES STE 316 CORPUS CHRISTI, TX 78413 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 3.04% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.78% |
| MICHAEL C WALKER3 Filed as: W MICHAEL HURLEY | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $847 | $0 | $847 | 0.81% |
| ANDREW M GARCIA3 | 906 CARMEL PARKWAY CORPUS CHRISTI, TX 78411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $840 | $0 | $840 | 0.80% |
| ALEXANDER A ARTMAN3 | 15321 YARDARM CT CORPUS CHRISTI, TX 78418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $813 | $0 | $813 | 0.77% |
| ANTONIA DAVILA3 Filed as: ANTONIA M DAVILA | 4900 N 23RD MCALLEN, TX 78504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $494 | $0 | $494 | 0.47% |
| STEVEN T HURLEY3 Filed as: STEVEN HURLEY | 130 CLYDES DALE VICTORIA, TX 77904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $234 | $0 | $234 | 0.22% |
| JASON L WEEKS3 | 201 EASTSIDE SQ STE 10 HUNTSVILLE, AL 35801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $175 | $0 | $175 | 0.17% |
| BILLY KEITH3 Filed as: BILLY D KEITH | 4900 N 23RD MCALLEN, TX 78501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $169 | $0 | $169 | 0.16% |
| MARY L WILLIAMS3 | 1102 STEVENS ST BRIDGEPORT, TX 76426 | CONTINENTAL AMERICAN INSURANCE COMPANY | $88 | $0 | $88 | 0.08% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | HUMANA INSURANCE COMPANY | $3K | $5K | $8K | 9.36% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 279 | $1.6M |
| Dental | HUMANA INSURANCE COMPANY | 117 | $84K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 218 | $179K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 218 | $179K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 218 | $179K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 245 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.