| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | HEALTH CARE SERVICE CORPORATION | $20K | $612 | $20K | 3.61% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | DEARBORN LIFE INSURANCE COMPANY | $15K | $4K | $19K | 18.46% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $171 | $9K | 8.82% |
| PAUL J PIPER3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $730 | $4K | 3.81% |
| JORGE ALEJANDRO MONTEMAYOR3 | 10702 N 23RD LN MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $832 | $2K | 1.99% |
| DION CHAVEZ3 | PO BOX 533070 HARLINGEN, TX 78553 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $453 | $2K | 1.77% |
| SALAZAR INSURANCE GROUP LLC3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $623 | $851 | $1K | 1.51% |
| SILIVIA YANET MONSIVAIS3 | 700 DAWSON ST EDINBURG, TX 78539 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.06% |
| DORINA TREVINO3 | 3212 BELLAS HADAS #D EDINBURG, TX 78542 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $800 | $0 | $800 | 0.82% |
| SABRINA SANTILLAN3 | 20497 ROAD 926 HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $777 | $4 | $781 | 0.80% |
| MPART BENEFITS INC3 | 100 ALBRIGHT LN PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $525 | $139 | $664 | 0.68% |
| ELIZABETH C ROBERTS3 | PO BOX 2791 HARLINGEN, TX 78551 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $212 | $0 | $212 | 0.22% |
| ALEJANDRO NUNEZ3 | 148 N VISTA DEL SOL DR HARLINGEN, TX 78552 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $170 | $0 | $170 | 0.17% |
| SAMUEL MORENO3 | 5820 N 25TH ST MCALLEN, TX 78504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | $26 | $101 | 0.10% |
| ARIANNA GONZALEZ3 | 831 E KIKA DE LA GARZA LA JOYA, TX 78560 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | $0 | $88 | 0.09% |
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 | 331 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 103 | $566K |
| Dental | HEALTH CARE SERVICE CORPORATION | 103 | $566K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 329 | $103K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 329 | $103K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 329 | $103K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 329 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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.