| 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 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $3K | $18K | 13.77% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $18 | $3K | 8.69% |
| JAMIE S POPE3 | 1225 NOTTINGHAM LN BEAUMONT, TX 77706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $369 | $2K | 7.06% |
| DEBRA KAY GAPP3 | 20302 STONE FALLS CT CYPRESS, TX 77433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $790 | $192 | $982 | 3.19% |
| DARIN POTTS3 | 100 DETERING ST APT 2128 HOUSTON, TX 77007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $652 | $312 | $964 | 3.13% |
| BOWLES INSURANCE SERVICES LLC3 Filed as: BOWLES INSURANCE SERVICE LLC | 12816 S WINDING PINES DR TOMBALL, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $490 | $130 | $620 | 2.01% |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $134K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $134K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $134K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $134K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $134K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 116 | $271K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.