| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | COMPANION LIFE INSURANCE | $0 | $0 | $0 | 0.00% |
| JOSEPH JOBST3 | 26669 INTERSTATE 10 W UNIT 5 BOERNE, TX 780066511 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 6.87% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.32% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 553881240 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.33% |
| JOSEPH JOBST3 Filed as: JOSEPH STUART JOBST | 26669 INTERSTATE 10 W UNIT 5 BORENE, TX 78006 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.22% |
| BENEUSA LLC3 | 261 SCHOOL AVE STE 350 EXCELSIOR, MN 55331 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.78% |
| JOSEPH JOBST3 Filed as: JOSEPH STUART JOBST | 26669 INTERSTATE 10 W UNIT 5 BORENE, TX 78006 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.27% |
| BENEUSA LLC3 | 261 SCHOOL AVE STE 350 EXCELSIOR, MN 55331 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.72% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON DBA PEC | 6200 SAVOY DRIVE SUITE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $10K | $0 | $10K | 19.29% |
| JOSEPH JOBST3 Filed as: JOSEPH S JOBST EMPLOYEE BENEFITS | 26669 INTERSTATE 10 W UNIT 5 BOERNE, TX 78006 | TRUSTMARK INSURANCE COMPANY | $4K | $0 | $4K | 7.38% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | TRUSTMARK INSURANCE COMPANY | $469 | $0 | $469 | 0.89% |
| JOSEPH JOBST3 Filed as: JOSEPH S JOBST EMPLOYEE BENEFITS | 26669 IH 10 W UNIT 5 BOERNE, TX 78006 | TRUSTMARK INSURANCE COMPANY | $6K | $0 | $6K | 11.74% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | TRUSTMARK INSURANCE COMPANY | $745 | $0 | $745 | 1.55% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON DBA PEC | 6200 SAVOY DRIVE SUITE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $9K | $0 | $9K | 29.00% |
| JOSEPH JOBST3 Filed as: JOSEPH S JOBST EMPLOYEE BENEFITS | 26669 IH 10 W UNIT 5 BOERNE, TX 78006 | TRUSTMARK INSURANCE COMPANY | $3K | $0 | $3K | 10.51% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | TRUSTMARK INSURANCE COMPANY | $610 | $0 | $610 | 1.92% |
| JOSEPH S JOST3 | 26669 IH 10 WEST BOERNE, TX 77079 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.95% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $975 | $0 | $975 | 4.04% |
| JOSEPH JOBST3 Filed as: JOSEPH STUART JOBST | 26669 INTERSTATE 10 W UNIT 5 BORENE, TX 78006 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.18% |
| BENEUSA LLC3 | 261 SCHOOL AVE STE 350 EXCELSIOR, MN 55331 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $775 | $775 | 5.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $747 | $0 | $747 | 4.82% |
| JOSEPH JOBST3 | 26669 INTERSTATE 10 W UNIT 5 BOERNE, TX 780066511 | SAFEGUARD HEALTH PLANS, INC. | $963 | $0 | $963 | 7.51% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | SAFEGUARD HEALTH PLANS, INC. | $368 | $0 | $368 | 2.87% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 553881240 | SAFEGUARD HEALTH PLANS, INC. | $316 | $0 | $316 | 2.46% |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 434 | $93K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 342 | $24K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 442 | $74K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 151 | $56K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE | 264 | $352K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 442 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 442 | — |
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."
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.