| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $38K | $43K | 3.91% |
| KAINOS PARTNERS, INC.3 Filed as: KAINOS PARTNERS INC | 16545 VILLAGE DR BLDG B HOUSTON, TX 77040 | UNITED HEALTHCARE INSURANCE COMPANY | $907 | $13K | $14K | 1.28% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $602 | $3K | 15.35% |
| KAINOS PARTNERS, INC.3 Filed as: KAINOS PARTNERS INC | 16545 VILLAGE DR BLDG B JERSEY VILLAGE, TX 77040 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $533 | $0 | $533 | 2.70% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $513 | $3K | 15.19% |
| KAINOS PARTNERS, INC.3 Filed as: KAINOS PARTNERS INC | 16545 VILLAGE DR BLDG B JERSEY VILLAGE, TX 77040 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $478 | $0 | $478 | 2.58% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $495 | $3K | 15.22% |
| KAINOS PARTNERS, INC.3 Filed as: KAINOS PARTNERS INC | 16545 VILLAGE DR BLDG B JERSEY VILLAGE, TX 77040 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $456 | $0 | $456 | 2.60% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $269 | $1K | 14.86% |
| KAINOS PARTNERS, INC.3 Filed as: KAINOS PARTNERS INC | 16545 VILLAGE DR BLDG B JERSEY VILLAGE, TX 77040 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $282 | $0 | $282 | 3.04% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $720 | $180 | $900 | 15.21% |
| KAINOS PARTNERS, INC.3 Filed as: KAINOS PARTNERS INC | 16545 VILLAGE DR BLDG B JERSEY VILLAGE, TX 77040 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $168 | $0 | $168 | 2.84% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $398 | $78 | $476 | 15.12% |
| KAINOS PARTNERS, INC.3 Filed as: KAINOS PARTNERS INC | 16545 VILLAGE DR BLDG B JERSEY VILLAGE, TX 77040 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $74 | $0 | $74 | 2.35% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 115 | $1.1M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 115 | $1.1M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 115 | $1.1M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $23K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 72 | $19K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 78 | $18K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.