| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W. 13TH ST. FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 12.76% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $801 | — | $801 | 1.74% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W. 13TH ST. FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 12.20% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $833 | — | $833 | 1.83% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 501 W. 13TH ST FORT WORTH, TX 761024657 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 12.87% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $657 | — | $657 | 1.74% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 501 W. 13TH ST FORT WORTH, TX 761024657 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 7.50% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 5151 SAN FELIPE 17TH FLOOR HOUSTON, TX 77056 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 9.02% |
| USI INSURANCE SERVICES LLC3 | 840 GESSNER RD STE 600 HOUSTON, TX 77024 | UNION SECURITY INSURANCE COMPANY | $535 | — | $535 | 3.40% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 501 W. 13TH ST FORT WORTH, TX 761024657 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $950 | $550 | $2K | 13.08% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $196 | — | $196 | 1.71% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W. 13TH ST. FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $440 | $2K | 17.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $248 | — | $248 | 2.61% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 5151 SAN FELIPE 17TH FLOOR HOUSTON, TX 77056 | UNION SECURITY INSURANCE COMPANY | $584 | — | $584 | 9.44% |
| USI INSURANCE SERVICES LLC3 | 840 GESSNER RD STE 600 HOUSTON, TX 77024 | UNION SECURITY INSURANCE COMPANY | $289 | — | $289 | 4.67% |
| USI INSURANCE SERVICES LLC3 | 840 GESSNER RD STE 600 HOUSTON, TX 77024 | UNION SECURITY INSURANCE COMPANY | $317 | — | $317 | 6.99% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 5151 SAN FELIPE 17TH FLOOR HOUSTON, TX 77056 | UNION SECURITY INSURANCE COMPANY | $309 | — | $309 | 6.81% |
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 | 209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 206 | $135K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 214 | $22K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 209 | $84K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $55K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 31 | $11K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 209 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.