| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC. | PO BOX 908 FORT WORTH, TX 76101 | BLUECROSS BLUESHIELD OF TEXAS | $37K | $0 | $37K | 4.04% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | BLUECROSS BLUESHIELD OF TEXAS | $8K | $0 | $8K | 0.86% |
| AMERICAP INSURANCE GROUP LLC3 Filed as: AMERICAP INSURANCE GROUP, LLC | UNKNOWN LUBBOCK, TX 79401 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $840 | $840 | 0.09% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC. | PO BOX 908 FORT WORTH, TX 76101 | STANDARD INSURANCE COMPANY | $8K | $768 | $9K | 8.78% |
| AMERICAP INSURANCE GROUP LLC3 Filed as: AMERICAP INSURANCE GROUP, LLC | 12720 HILLCREST PLAZA DRIVE SUITE 450 DALLAS, TX 75230 | STANDARD INSURANCE COMPANY | $2K | $434 | $2K | 2.42% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 2.16% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | STANDARD INSURANCE COMPANY | $0 | $307 | $307 | 0.31% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 233 | $905K |
| Dental | STANDARD INSURANCE COMPANY | 129 | $98K |
| Vision | STANDARD INSURANCE COMPANY | 129 | $98K |
| Life insurance | STANDARD INSURANCE COMPANY | 129 | $98K |
| Short-term disability | STANDARD INSURANCE COMPANY | 129 | $98K |
| Long-term disability | STANDARD INSURANCE COMPANY | 129 | $98K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 233 | $905K |
| Other | STANDARD INSURANCE COMPANY | 129 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.