| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | CONTINENTAL AMERICAN INSURANCE COMPANY | $77K | $0 | $77K | 11.35% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42K | $0 | $42K | 6.12% |
| JEFFREY C WEST3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 0.42% |
| KIM REED SMITH3 Filed as: KIM R SMITH | 7815 DEERWOOD LAKE DR HUMBLE, TX 77346 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.21% |
| MATTHEW SUTTON3 Filed as: MATTHEW D SUTTON | 31927 WILDWOOD PARK LN CONROE, TX 77385 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.17% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA A CHAMBLISS | 800 ROCKMEAD DR STE 208 KINGWOOD, TX 77339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $760 | $0 | $760 | 0.11% |
| LORA MARIE WATSON3 Filed as: LORA M WATSON | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $612 | $0 | $612 | 0.09% |
| MARLENE GONZALEZ WANZONG3 Filed as: MARLENE G WANZONG | 14407 WHISPERING VALLEY DR CYPRESS, TX 77429 | CONTINENTAL AMERICAN INSURANCE COMPANY | $542 | $0 | $542 | 0.08% |
| MICHAEL GRASS3 Filed as: MICHAEL P GRASS | 25618 RYANS CREEK CT KATY, TX 77494 | CONTINENTAL AMERICAN INSURANCE COMPANY | $433 | $0 | $433 | 0.06% |
| MAEDE C MILLER3 | 17133 KNOLL DALE TRAIL CONROE, TX 77385 | CONTINENTAL AMERICAN INSURANCE COMPANY | $169 | $0 | $169 | 0.02% |
| PRENTISS A CASTLE, JR3 Filed as: PRENTISS A CASTLE JR | 25503 PENGUIN ST MAGNOLIA, TX 77355 | CONTINENTAL AMERICAN INSURANCE COMPANY | $86 | $0 | $86 | 0.01% |
| CHERISE M WADE3 | 922 EVA LANE KATY, TX 77450 | CONTINENTAL AMERICAN INSURANCE COMPANY | $86 | $0 | $86 | 0.01% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $30K | $11K | $41K | 20.80% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $8K | 18.42% |
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 | 1,301 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 1,193 | $197K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 986 | $680K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 99 | $45K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,193 | $877K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,193 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.