| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHAPMAN SCHEWE & CUTSHALL LC3 | 11700 KATIE FREEWAY STE 1100 HOUSTON, TX 77079 | BLUECROSS BLUESHIELD OF TEXAS | — | $4K | $4K | 0.19% |
| HIGGINBOTHAM INS AGENCY INC3 | 500 W 13TH ST FT WORTH, TX 761024657 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12 | $12 | 0.01% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W 13TH ST SUITE 1200 FORT WORTH, TX 76102 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $1K | $1K | 1.24% |
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 | 301 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 572 | $1.9M |
| Dental(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 454 | $158K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 454 | $138K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 301 | $107K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 301 | $107K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 301 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 572 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.