| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | ARMADACARE | $12K | $0 | $12K | 2.60% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | $0 | $16K | 4.31% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | $0 | $15K | 4.25% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 2.50% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 2.11% |
| JEFFREY C WEST3 | 2466 FM 1697 LEDBETTER, TX 78946 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.38% |
| MATTHEW SUTTON3 Filed as: MATTHEW D SUTTON | 31927 WILDWOOD PARK LANE CONROE, TX 77385 | CONTINENTAL AMERICAN INSURANCE COMPANY | $445 | $0 | $445 | 0.12% |
| KIM REED SMITH3 Filed as: KIM R SMITH | 7815 DEERWOOD LAKE DR HUMBLE, TX 77346 | CONTINENTAL AMERICAN INSURANCE COMPANY | $435 | $0 | $435 | 0.12% |
| LORA MARIE WATSON3 Filed as: LORA M WATSON | PO BOX 1663 MAGNOLIA, TX 77353 | CONTINENTAL AMERICAN INSURANCE COMPANY | $332 | $0 | $332 | 0.09% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA A CHAMBLISS | 800 ROCKMEAD DR STE 208 KINGWOOD, TX 77339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $296 | $0 | $296 | 0.08% |
| KIM REED SMITH3 Filed as: KIM R SMITH | 7815 DEERWOOD LAKE DR HUMBLE, TX 77346 | CONTINENTAL AMERICAN INSURANCE COMPANY | $295 | $0 | $295 | 0.08% |
| CHRISTOPHER LEE INSURANCE AGENCY3 | 6918 GOODSTRUM WAY KATY, TX 77493 | CONTINENTAL AMERICAN INSURANCE COMPANY | $140 | $0 | $140 | 0.04% |
| MARLENE GONZALEZ WANZONG3 Filed as: MARLENE G WANZONG | 14407 WHISPERING VALLEY DR CYPRESS, TX 77429 | CONTINENTAL AMERICAN INSURANCE COMPANY | $112 | $0 | $112 | 0.03% |
| MICHAEL GRASS3 Filed as: MICHAEL P GRASS | 25618 RYANS CREEK CT KATY, TX 77494 | CONTINENTAL AMERICAN INSURANCE COMPANY | $109 | $0 | $109 | 0.03% |
| MAEDE C MILLER3 | 17133 KNOLL DALE TRAIL CONROE, TX 77385 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | $0 | $39 | 0.01% |
| PRENTISS A CASTLE, JR3 Filed as: PRENTISS A CASTLE JR | 25503 PENGUIN ST MAGNOLIA, TX 77355 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | $0 | $10 | 0.00% |
| CHERISE M WADE3 | 1931 HWY 90 SEALY, TX 77474 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | $0 | $10 | 0.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | DEARBORN LIFE INSURANCE COMPANY | $24K | $0 | $24K | 15.06% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $2K | $14K | 18.07% |
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 | 935 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 952 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARMADACARE | 34 | $448K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 982 | $160K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,227 | $362K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $79K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,227 | $552K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,227 | — |
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.