| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KERI NORTON3 | 12472 FM 2728 TERRELL, TX 75161 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 4.85% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 4.80% |
| KIMBERLY KAY DIXON3 | 2300 MAIDENS CASTLE DR LEWISVILLE, TX 75056 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.31% |
| LINDA A LECIEJEWSKI3 Filed as: LINDA ANNE LECIEJEWSKI | 1327 SPIRIT FALLS DR FRISCO, TX 75033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.21% |
| MAURICIO ACUNA3 Filed as: MAURICIO F ACUNA | 2411 LULA CT CORINTH, TX 76210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: TOYA BROWN | 827 COLORADO RIVER DRIVE GRANDBURY, TX 76048 | CONTINENTAL AMERICAN INSURANCE COMPANY | $896 | $0 | $896 | 0.84% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | $976 | $8K | 11.30% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $11K | 20.66% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 20.62% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 20.66% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $549 | $2K | 20.41% |
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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 132 | $67K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 132 | $67K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 247 | $50K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 72 | $38K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 56 | $52K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 247 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.