| 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 | AETNA LIFE INSURANCE COMPANY | $38K | $0 | $38K | 5.85% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 20.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | HEALTH CARE SERVICE CORPORATION | $3K | $2K | $5K | 16.80% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | COMBINED INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 14.07% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | HARTFORD LIFE AND ACCIDENT | $1K | $192 | $1K | 17.55% |
| FINANCIAL BENEFIT SERVICES LLC3 | 2175 N GLENVILLE DR RICHARDSON, TX 75082 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | $0 | $1K | 18.97% |
| MASS GROUP MARKETING INC3 | 2185 N GLENVILLE DR RICHARDSON, TX 75082 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $296 | $0 | $296 | 3.98% |
| FBS-HIA, LLC | 2175 N GLENVILLE DR RICHARDSON, TX 75082 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $745 | $0 | $745 | 17.39% |
| THEBENEFITSHUB, LLC DBA ALLS | 2185 N GLENVILLE DR RICHARDSON, TX 75082 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $186 | $186 | 4.34% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $576 | $0 | $576 | 17.66% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $624 | $141 | $765 | 27.05% |
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 | 161 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 141 | $646K |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 141 | $677K |
| Life insurance | COMBINED INSURANCE COMPANY OF AMERICA | 0 | $27K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 173 | $36K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 12 | $3K |
| Other(5 contracts, 5 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 32 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.