| 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 | $27K | $0 | $27K | 3.42% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | DEARBORN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 9.58% |
| INSURORS OF TEXAS GENERAL AGENCY3 Filed as: INSURORS OF TEXAS GENRAL AGENCY LTD | 225 S 5TH STREET WACO, TX 76701 | DEARBORN LIFE INSURANCE COMPANY | -$19 | $0 | -$19 | -0.03% |
| FINANCIAL BENEFIT SERVICES LLC3 | 2175 N GLENVILLE DR RICHARDSON, TX 750824329 | HARTFORD LIFE AND ACCIDENT | $1K | $476 | $2K | 22.24% |
| FINANCIAL BENEFIT SERVICES LLC3 | 2175 N GLENVILLE DR RICHARDSON, TX 75082 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | $0 | $1K | 18.98% |
| MASS GROUP MARKETING INC3 | 2185 N GLENVILLE DR RICHARDSON, TX 75082 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $284 | $0 | $284 | 3.99% |
| FINANCIAL BENEFIT SERVICES LLC3 | — | COMBINED INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 20.01% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | TELADOC HEALTH, INC. | $730 | $0 | $730 | 15.00% |
| FBS-HIA , LLC3 Filed as: FBS-HIA, LLC | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $837 | $0 | $837 | 25.01% |
| MASA AGENT3 | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $552 | $0 | $552 | 16.50% |
| FBS-HIA , LLC3 Filed as: FBS HIA LLC | 2175 N GLENVILLE DR RICHARDSON, TX 75082 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $481 | $0 | $481 | 15.55% |
| ALLYSYNX3 | 2185 N GLENVILLE DR RICHARDSON, TX 75082 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $155 | $155 | 5.01% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 96 | $776K |
| Dental | HEALTH CARE SERVICE CORPORATION | 96 | $776K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 173 | $58K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 173 | $58K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 173 | $58K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 173 | $58K |
| Other(6 contracts, 6 carriers) | DEARBORN LIFE INSURANCE COMPANY | 365 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.