| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINANCIAL BENEFIT SERVICES LLC3 Filed as: FINANCIAL BENEFIT SERVICES, LLC | — | HEALTH CARE SERVICE CORPORATION | $202K | $9K | $211K | 3.56% |
| FBS-HIA , LLC3 Filed as: FBS-HIA LLC | 2175 N GLENVILLE DR RICHARDSON, TX 75082 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $3K | $32K | 9.32% |
| FINANCIAL BENEFIT SERVICES LLC3 | 2175 N GLENVILLE DR RICHARDSON, TX 75082 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $3K | $29K | 15.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: THE BENEFITS HUB LLC | 2185 N GLENVILLE DR RICHARDSON, TX 75082 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 3.00% |
| MASS GROUP MARKETING INC3 | 2185 N GLENVILLE DR RICHARDSON, TX 75082 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.66% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM PUBLIC SECTOR LLC | 2175 N GLENVILLE RICHARDSON, TX 75082 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.24% |
| FINANCIAL BENEFIT SERVICES LLC3 | 2175 N GLENVILLE DR RICHARDSON, TX 75082 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $2K | $19K | 15.14% |
| 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 | 2.95% |
| MASS GROUP MARKETING INC3 | 2185 N GLENVILLE DR RICHARDSON, TX 75082 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.99% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM PUBLIC SECTOR LLC | 2175 N GLENVILLE DR RICHARDSON, TX 75082 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.23% |
| FINANCIAL BENEFIT SERVICES LLC3 | 2175 N GLENVILLE DR RICHARDSON, TX 75082 | UNUM INSURANCE COMPANY | $16K | $2K | $18K | 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | $0 | $22K | 30.00% |
| FINANCIAL BENEFIT SERVICES LLC3 | 2175 N GLENVILLE DR RICHARDSON, TX 75082 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $13K | $0 | $13K | 19.01% |
| MASS GROUP MARKETING INC3 Filed as: MASS GROUP MARKETING INC. | 2185 N GLENVILLE DR RICHARDSON, TX 75082 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.98% |
| FINANCIAL BENEFIT SERVICES LLC3 | 2175 N GLENVILLE DR RICHARDSON, TX 75082 | UNUM INSURANCE COMPANY | $10K | $2K | $12K | 17.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: THE BENEFITS HUB LLC | 2185 N GLENVILLE DR RICHARDSON, TX 75082 | UNUM INSURANCE COMPANY | $2K | $0 | $2K | 3.09% |
| FINANCIAL BENEFIT SERVICES LLC3 | 2175 N GLENVILLE DR RICHARDSON, TX 75082 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $1K | $10K | 16.80% |
| 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 | 3.00% |
| MASS GROUP MARKETING INC3 Filed as: MASS GROUP MARKETING INC. | 2185 N GLENVILLE DR RICHARDSON, TX 75082 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.92% |
| FINANCIAL BENEFIT SERVICES LLC3 | 2175 N GLENVILLE DR RICHARDSON, TX 76101 | STARMOUNT LIFE INSURANCE COMPANY | $7K | $1K | $8K | 14.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: THE BENEFITS HUB LLC | 2185 N GLENVILLE DR RICHARDSON, TX 75082 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.00% |
| FINANCIAL BENEFIT SERVICE3 | 2175 N GLENVILLE DR RICHARDSON, TX 75082 | 5STAR LIFE INSURANCE COMPANY | $14K | $0 | $14K | 30.01% |
| B&B INSURANCE NETWORK SERVICES3 | 2121 N GLENVILLE DR RICHARDSON, TX 75082 | 5STAR LIFE INSURANCE COMPANY | $346 | $0 | $346 | 0.72% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM PRIVATE SECTOR, LLC | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $563 | $0 | $563 | 1.25% |
| FINANCIAL BENEFIT SERVICES LLC3 | 2175 N GLENVILLE DR RICHARDSON, TX 75082 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $933 | $112 | $1K | 15.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: THE BENEFITS HUB LLC | 2185 N GLENVILLE DR RICHARDSON, TX 75082 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $204 | $204 | 2.99% |
| MASS GROUP MARKETING INC3 Filed as: MASS GROUP MARKETING INC. | 2185 N GLENVILLE DR RICHARDSON, TX 75082 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $137 | $137 | 2.01% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $89 | $0 | $89 | 1.31% |
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 | 832 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 832 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 1,135 | $5.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,338 | $342K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 494 | $54K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 832 | $219K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 832 | $190K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 405 | $69K |
| Other(7 contracts, 5 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 832 | $535K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,338 | — |
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.