| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINANCIAL BENEFIT SERVICES LLC3 | 2175 N GLENVILLE DR RICHARDSON, TX 75082 | HEALTH CARE SERVICE CORPORATION | $188K | $9K | $198K | 3.33% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM PUBLIC SECTOR LLC | 2175 N GLENVILLE DR RICHARDSON, TX 75082 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | $1K | $35K | 10.38% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM PUBLIC SECTOR LLC | 2175 N GLENVILLE DR RICHARDSON, TX 78052 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | $5K | $28K | 18.45% |
| MASS GROUP MARKETING INC3 Filed as: MASS GROUP MARKETING INC. | 2185 N GLENVILLE DR RICHARDSON, TX 75082 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 3.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: THE BENEFITS HUB LLC | 2185 N GLENVILLE DR RICHARDSON, TX 75082 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: THE BENEFITS HUB LLC DBA ALLSYNX | 2185 N GLENVILLE DR RICHARDSON, TX 75082 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 3.00% |
| MASS GROUP MARKETING INC3 Filed as: MASS GROUP MARKETING LLC | 2185 N GLENVILLE DR RICHARDSON, TX 75082 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 3.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM PUBLIC SECTOR LLC | 2175 N GLENVILLE DR RICHARDSON, TX 75082 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.04% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM PUBLIC SECTOR LLC | 2175 N GLENVILLE DR RICHARDSON, TX 75082 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | $3K | $22K | 17.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: THE BENEFITS HUB LLC | 2185 N GLENVILLE DR RICHARDSON, TX 75082 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.00% |
| MASS GROUP MARKETING INC3 Filed as: MASS GROUP MARKETING LLC | 2185 N GLENVILLE DR RICHARDSON, TX 75082 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM PUBLIC SECTOR LLC | 2175 N GLENVILLE DR RICHARDSON, TX 75082 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $2K | $16K | 16.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: THE BENEFITS HUB LCC | 2185 N GLENVILLE DR RICHARDSON, TX 75082 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.15% |
| MASS GROUP MARKETING INC3 Filed as: MASS GROUP MARKETING LLC | 2185 N GLENVILLE DR RICHARDSON, TX 75082 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.15% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM PUBLIC SECTOR LLC | 2175 N GLENVILLE DR RICHARDSON, TX 75082 | UNUM INSURANCE COMPANY | $14K | $2K | $16K | 17.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: THE BENEFITS HUB LLC | 2185 N GLENVILLE DR RICHARDSON, TX 75082 | UNUM INSURANCE COMPANY | $3K | $0 | $3K | 3.00% |
| FINANCIAL BENEFIT SERVICES LLC3 | 2175 N GLENVILLE DR RICHARDSON, TX 75082 | 5STAR LIFE INSURANCE COMPANY | $13K | $0 | $13K | 18.99% |
| MASS GROUP MARKETING INC3 Filed as: MASS GROUP MARKETING LLC | 2185 N GLENVILLE DR RICHARDSON, TX 75082 | 5STAR LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.98% |
| FINANCIAL BENEFIT SERVICES LLC3 | 2175 N GLENVILLE DR RICHARDSON, TX 75082 | UNITE3D HEALTHCARE INSURANCE COMPANY | $14K | $0 | $14K | 20.31% |
| FINANCIAL BENEFIT SERVICES LLC3 | 2175 N GLENVILLE DR RICHARDSON, TX 75082 | 5STAR LIFE INSURANCE COMPANY | $19K | $0 | $19K | 30.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: THE BENEFITS HUB LLC | 2185 N GLENVILLE DR RICHARDSON, TX 75082 | 5STAR LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM PUBLIC SECTOR LLC | 2175 N GLENVILLE DR RICHARDSON, TX 75082 | STARMOUNT LIFE INSURANCE COMPANY | $6K | $982 | $7K | 12.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: THE BENEFITS HUB LLC | 2185 N GLENVILLE DR RICHARDSON, TX 75082 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.75% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM PUBLIC SECTOR LLC | 2175 N GLENVILLE DR RICHARDSON, TX 75082 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $1K | $8K | 17.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: THE BENEFITS HUB LLC | 2185 N GLENVILLE DR RICHARDSON, TX 75082 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.00% |
| MASS GROUP MARKETING INC3 Filed as: MASS GROUP MARKETING LLC | 2185 N GLENVILLE DR RICHARDSON, TX 75082 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.00% |
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 | 835 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 837 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 1,062 | $5.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,369 | $338K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 506 | $54K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 859 | $231K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 377 | $152K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 347 | $94K |
| Other(7 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 859 | $614K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,369 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.