| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WG BENEFITS LTD3 | 1615 GUADALUPE AUSTIN, TX 78701 | HEALTH CARE SERVICE CORPORATION | $46K | $0 | $46K | 5.09% |
| WG BENEFITS LTD3 | 1615 GUADALUPE AUSTIN, TX 78701 | ACE USA GROUP | $4K | $0 | $4K | 10.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $423 | $3K | 13.09% |
| WG BENEFITS LTD3 | 1615 GUADALUPE ST AUSTIN, TX 78701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $883 | $0 | $883 | 3.67% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $194 | $2K | 15.02% |
| WG BENEFITS LTD3 | 1615 GUADALUPE ST AUSTIN, TX 78701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $191 | $0 | $191 | 1.48% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $206 | $2K | 13.13% |
| WG BENEFITS LTD3 | 1615 GUADALUPE ST AUSTIN, TX 78701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $428 | $0 | $428 | 3.61% |
| WG BENEFITS LTD3 | 1615 GUADALUPE AUSTIN, TX 78701 | ACE USA GROUP | $752 | $0 | $752 | 10.00% |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 220 | $904K |
| Dental | ACE USA GROUP | 113 | $40K |
| Vision | ACE USA GROUP | 61 | $8K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $25K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $24K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.