| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | HEALTH CARE SERVICE CORPORATION | $22K | $2K | $24K | 4.25% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $46 | $8K | 9.46% |
| PAUL J PIPER3 Filed as: PAUL PIPER | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $477 | $3K | 3.72% |
| DION CHAVEZ3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $228 | $1K | 1.64% |
| JORGE ALEJANDRO MONTEMAYOR3 | 10702 N 23RD LANE MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $104 | $1K | 1.43% |
| SALAZAR INSURANCE GROUP LLC3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $639 | $519 | $1K | 1.29% |
| RUBEN RUBIO3 | 3601 MILE 9 N MERCEDES, TX 78570 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $931 | $0 | $931 | 1.04% |
| ANA LILIA ALVAREZ3 | 5 CHIAPAS CT BROWNSVILLE, TX 78526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $722 | $39 | $761 | 0.85% |
| SABRINA SANTILLAN3 | 20497 ROAD 926 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $750 | $4 | $754 | 0.84% |
| MPART BENEFITS INC3 Filed as: MPART BENEFITS INC. | 100 ALBRIGHT LN PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $480 | $182 | $662 | 0.74% |
| DORINA TREVINO3 | 3212 BELLAS HADAS EDINBURG, TX 78542 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $474 | $11 | $485 | 0.54% |
| ELIZABETH C ROBERTS3 | PO BOX 2791 HARLINGEN, TX 78551 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $250 | $3 | $253 | 0.28% |
| OMAR GUERRERO3 | PO BOX 1578 ELSA, TX 78543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $119 | $0 | $119 | 0.13% |
| DAYRA DE LA3 | 4885 S PASO DOBLE CIR BROWNSVILLE, TX 78526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | $0 | $85 | 0.09% |
| ISRAEL GARZA3 | 1105 E LEGGETT HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | $6 | $71 | 0.08% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $513 | $10K | 14.94% |
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 | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 134 | $572K |
| Dental | HEALTH CARE SERVICE CORPORATION | 134 | $572K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 313 | $67K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 313 | $67K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 313 | $67K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 134 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.