| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURORS OF TEXAS GENERAL AGENCY IN3 | 225 S 5TH ST WACO, TX 76701 | UNITEDHEALTHCARE INSURANCE COMPANY | $30K | $0 | $30K | 4.31% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 0.42% |
| INSURORS OF TEXAS GENERAL AGENCY IN3 | 225 S 5TH ST WACO, TX 76701 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $340 | $3K | 17.26% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $357 | $0 | $357 | 2.37% |
| JOHN C RAUP3 | 7215 BOSQUE BLVD STE 106 WACO, TX 76710 | AFLAC | $405 | $0 | $405 | 7.72% |
| INSURORS OF TEXAS GENERAL AGENCY IN3 | PO BOX 908 FORT WORTH, TX 76701 | AFLAC | $279 | $0 | $279 | 5.32% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: MP INNOVATIVE SOLUTIONS INC | 2410 WYCON DR, STE 103 WACO, TX 76712 | AFLAC | $171 | $0 | $171 | 3.26% |
| DEMARCUS IGLEHART3 | 510 AUSTIN AVE, STE 25525 WACO, TX 76701 | AFLAC | $120 | $0 | $120 | 2.29% |
| JAMES A COX3 | 4133 WESTCHESTER DR WACO, TX 76710 | AFLAC | $57 | $0 | $57 | 1.09% |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 195 | $686K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 195 | $686K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 195 | $686K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 135 | $15K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 195 | $686K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 135 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.