| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FT. WORTH, TX 76101 | METROPOLITAN LIFE INSURANCE COMPANY | $156K | $5K | $162K | 5.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | 1900 WEST LOOP S STE 1600 HOUSTON, TX 77027 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $41 | $16K | 0.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | 2 PIERCE PL FL 14 ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.08% |
| MADISON BENEFITS GROUP INC3 | 5151 SAN FELIPE 17TH FLOOR HOUSTON, TX 77056 | BLUECROSS BLUESHIELD OF TEXAS | $56K | — | $56K | 2.78% |
| MADISON BENEFITS GROUP INC3 | 5151 SAN FELIPE 17TH FLOOR HOUSTON, TX 77056 | UNITED HEALTHCARE INSURANCE COMPANY | — | — | $0 | 0.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 5151 SAN FELIPE 17TH FLOOR HOUSTON, TX 77056 | BLUECROSS BLUESHIELD OF HAWAII | — | — | $0 | 0.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FT. WORTH, TX 76101 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $554 | $13K | 3.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | 1900 WEST LOOP S STE 1600 HOUSTON, TX 77027 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | 2 PIERCE PL FL 14 ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $326 | $326 | 0.08% |
| MADISON BENEFITS GROUP INC | 5151 SAN FELIPE 17TH FLOOR HOUSTON, TX 77056 | UNITED HEALTHCARE INSURANCE COMPANY | — | — | $0 | 0.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FT. WORTH, TX 76101 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $343 | $6K | 4.85% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 WEST 13TH ST FT. WORTH, TX 76102 | HARTFORD LIFE AND ACCIDENT | $996 | — | $996 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | 5151 SAN FELIPE ST FL 17 HOUSTON, TX 770563607 | $2.2M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CLAIMS PROCESSOR | Claims processing; Contract Administrator Service code 12 | 501 U.S HIGHWAY 22 BRIDGEWATER, NJ 08807 | $146K |
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 | 8,838 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 8,838 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF HAWAII | 247 | $793K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 9,107 | $338K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 8,734 | $2.9M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,468 | $127K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 8,790 | $1.3M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,690 | $410K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,107 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.