| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | HEALTH CARE SERVICE CORPORATION | $23K | $630 | $24K | 3.86% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $757 | $10K | 9.67% |
| PAUL J PIPER3 | 611E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $750 | $4K | 3.94% |
| DION CHAVEZ3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 2.46% |
| SALAZAR INSURANCE GROUP LLC3 Filed as: SALAZAR INSURANCE GROUP | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $661 | $883 | $2K | 1.56% |
| SILVIA YANET MONSIVAIS3 | 700 DAWSON EDINBURG, TX 78551 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $930 | $61 | $991 | 1.00% |
| DORINA TREVINO3 | 3212 BELLAS HADAS EDINBURG, TX 78542 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $941 | $0 | $941 | 0.95% |
| JORGE ALEJANDRO MONTEMAYOR3 | 10702 N 23RD LANE MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $861 | $75 | $936 | 0.95% |
| SABRINA SANTILLAN3 | 20497 ROAD 926 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $807 | $5 | $812 | 0.82% |
| MPART BENEFITS INC3 | 100 ALBRIGHT LN PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $239 | $182 | $421 | 0.43% |
| ARIANNA GONZALEZ3 | 831 E KIKA DE LA GARZA LA JOYA, TX 78560 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $282 | $0 | $282 | 0.29% |
| CARLOS SAMUEL PORTALES3 | 2425 BARNARD RD BROWNSVILLE, TX 78520 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $259 | $0 | $259 | 0.26% |
| RUBEN RUBIO3 | 3601 MILE 9 N MERCEDES, TX 78570 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $138 | $0 | $138 | 0.14% |
| ANA LILIA ALVAREZ3 | 5 CHIAPAS CT BROWNSVILLE, TX 78526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | $0 | $69 | 0.07% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | DEARBORN LIFE INSURANCE COMPANY | $12K | $0 | $12K | 14.07% |
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 | 309 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 128 | $614K |
| Dental | HEALTH CARE SERVICE CORPORATION | 128 | $614K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 313 | $87K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 313 | $87K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 313 | $87K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 313 | $186K |
| 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.