| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | HEALTH CARE SERVICE CORPORATION | $20K | $594 | $21K | 4.86% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $133 | $9K | 11.21% |
| PAUL J PIPER3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $742 | $4K | 4.41% |
| DION CHAVEZ3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $337 | $2K | 2.02% |
| SALAZAR INSURANCE GROUP LLC3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $728 | $574 | $1K | 1.54% |
| JORGE ALEJANDRO MONTEMAYOR3 | 10702 N 23RD LN MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $28 | $1K | 1.24% |
| SABRINA SANTILLAN3 | 20497 ROAD 926 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $801 | $10 | $811 | 0.96% |
| ANA LILIA ALVAREZ3 | 5 CHIAPAS CT BROWNSVILLE, TX 78526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $736 | $19 | $755 | 0.89% |
| MPART BENEFITS INC3 | 4621 GLEN HEATHER DR FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $506 | $218 | $724 | 0.86% |
| ELIZABETH C ROBERTS3 | PO BOX 2791 HARLINGEN, TX 78551 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $713 | $0 | $713 | 0.84% |
| DAYRA DE LA3 | 4885 S PASO DOBLE CIR BROWNSVILLE, TX 78526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $705 | $0 | $705 | 0.83% |
| RUBEN RUBIO3 | 3601 MILE 9 N MERCEDES, TX 78570 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $561 | $0 | $561 | 0.66% |
| ISRAEL GARZA3 | 1105 E LEGGETT HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $522 | $5 | $527 | 0.62% |
| LINDSAY DANIELLE MANGUM3 | 3800 MYNAH AVE MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $122 | $9 | $131 | 0.15% |
| CARLOS SAMUEL PORTALES3 | 2425 BARNARD RD BROWNSVILLE, TX 78520 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $0 | $66 | 0.08% |
| GRICELDA ESPINOZA3 | 1570 ALTAMESA BLVD BROWNSVILLE, TX 78526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $0 | $49 | 0.06% |
| ANA M HERRERA3 | 1210 CAROLINA AVE EDINBURG, TX 78541 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.03% |
| DESTINY RAY HAMILTON3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| JOHN W ROBERTS3 | PO BOX 2791 HARLINGEN, TX 78551 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $4K | $14K | 19.96% |
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 | 255 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 116 | $423K |
| Dental | HEALTH CARE SERVICE CORPORATION | 116 | $423K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 309 | $69K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 309 | $69K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 309 | $69K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 121 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.