| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BIGHAM KLIEWER INSURANCE AGENCY3 Filed as: BIGHAM KLIEWER CHAPMAN & WATTS INS | PO BOX 996 KILLEEN, TX 765400996 | HUMANA HEALTH PLAN OF TEXAS, INC. | $31K | — | $31K | 3.00% |
| BIGHAM KLIEWER INSURANCE AGENCY3 Filed as: BIGHAM KLIEWER CHAPMAN & WATTS | PO BOX 996 KILLEEN, TX 765400996 | UNION SECURITY INSURANCE COMPANY | $3K | $801 | $4K | 10.23% |
| BIGHAM KLIEWER INSURANCE AGENCY3 Filed as: BIGHAM KLIEWER CHAPMAN & WATTS | PO BOX 996 KILLEEN, TX 76540 | UNION SECURITY INSURANCE COMPANY | $3K | $664 | $3K | 18.78% |
| BIGHAM KLIEWER INSURANCE AGENCY3 Filed as: BIGHAM KLIEWER CHAPMAN & WATTS | PO BOX 996 KILLEEN, TX 765400996 | UNION SECURITY INSURANCE COMPANY | $11 | $498 | $509 | 4.20% |
| BIGHAM KLIEWER INSURANCE AGENCY3 Filed as: BIGHAM KLIEWER CHAPMAN & WATTS | PO BOX 996 KILLEEN, TX 765400996 | UNION SECURITY INSURANCE COMPANY | $2K | $334 | $2K | 23.51% |
| BIGHAM KLIEWER INSURANCE AGENCY3 Filed as: BIGHAM KLIEWER CHAPMAN & WATTS | PO BOX 996 KILLEEN, TX 76540 | UNION SECURITY INSURANCE COMPANY | $2K | $344 | $2K | 23.73% |
| BIGHAM KLIEWER INSURANCE AGENCY3 Filed as: BIGHAM KLIEWER CHAPMAN & WATTS | PO BOX 996 KILLEEN, TX 765400996 | UNION SECURITY INSURANCE COMPANY | $1K | $244 | $1K | 18.40% |
| BIGHAM KLIEWER INSURANCE AGENCY3 Filed as: BIGHAM KLIEWER CHAPMAN & WATTS | PO BOX 996 KILLEEN, TX 765400996 | UNION SECURITY INSURANCE COMPANY | $934 | $264 | $1K | 19.23% |
| BIGHAM KLIEWER INSURANCE AGENCY Filed as: BIGHAM KLIEWER CHAPMAN & WATTS | PO BOX 996 KILLEEN, TX 765400996 | HUMANA INSURANCE COMPANY | — | $1K | $1K | — |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA HEALTH PLAN OF TEXAS, INC. | 136 | $1.0M |
| Dental | UNION SECURITY INSURANCE COMPANY | 100 | $36K |
| Vision | UNION SECURITY INSURANCE COMPANY | 81 | $12K |
| Life insurance(2 contracts) | UNION SECURITY INSURANCE COMPANY | 174 | $24K |
| Short-term disability(2 contracts) | UNION SECURITY INSURANCE COMPANY | 28 | $17K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 37 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.