| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | THE GUARDIAN LIFE INSURANCE COMPANY | $20K | $2K | $22K | 16.08% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | HEALTHCARE SERVICE CORPORATION | $10K | $6K | $16K | 15.95% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $84 | $8K | 8.70% |
| JAMIE S POPE3 | 1225 NOTTINGHAM LN BEAUMONT, TX 77706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $2K | $7K | 7.64% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT ST CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $4K | 3.93% |
| DARIN POTTS3 | 100 DETERING ST #2128 HOUSTON, TX 77007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 3.73% |
| BOWLES INSURANCE SERVICES LLC3 | 12816 S WINDING PINES DR TOMBALL, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $612 | $2K | 2.32% |
| MOORE ADVISORY GROUP LLC3 Filed as: MOORE ADVISING GROUP LLC | 5210 COTTONWOOD CREEK LN LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $473 | $38 | $511 | 0.57% |
| DEBRA KAY GAPP3 Filed as: DEBRA K GAPP | 20302 STONE FALLS CT CYPRESS, TX 77433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $210 | $30 | $240 | 0.27% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $820 | $7 | $827 | 8.91% |
| JAMIE S POPE3 | 1225 NOTTINGHAM LN BEAUMONT, TX 77706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $443 | $122 | $565 | 6.08% |
| DARIN POTTS3 | 100 DETERING ST #2128 HOUSTON, TX 77007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $210 | $178 | $388 | 4.18% |
| MOORE ADVISORY GROUP LLC3 Filed as: MOORE ADVISING GROUP LLC | 5210 COTTONWOOD CREEK LN LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $319 | $26 | $345 | 3.72% |
| BOWLES INSURANCE SERVICES LLC3 | 12816 S WINDING PINES DR TOMBALL, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $165 | $72 | $237 | 2.55% |
| K G SMITH LLC3 Filed as: KG SMITH LLC | 7606 EASTWOOD LAKE LANE RICHMOND, TX 77407 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $130 | $37 | $167 | 1.80% |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HEALTHCARE SERVICE CORPORATION | 366 | $98K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 198 | $138K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 198 | $138K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 198 | $138K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 198 | $138K |
| Other(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 112 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 366 | — |
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.