| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W 13TH STREET FORT WORTH, TX 76102 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | — | — | $0 | 0.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W 13TH STREET FORT WORTH, TX 76102 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 5.77% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W 13TH STREET FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 4.51% |
| HIGGINBOTHAM INS AGENCY INC3 | 500 W 13TH STREET FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 4.78% |
| HIGGINBOTHAM INS AGENCY INC3 | 500 W 13TH STREET FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.92% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM AGENCY INSURANCE AGENE | 500 W 13TH STREET FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $873 | $873 | 4.02% |
| HIGGINBOTHAM INS AGENCY INC | 500 W 13TH STREET FORT WORTH, TX 76102 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $1K | $1K | 10.82% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 106 | $401K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 90 | $62K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 179 | $10K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $44K |
| Short-term disability(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 189 | $142K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 83 | $32K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 90 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.