| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $25K | $25K | 8.07% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAN INSURANCE AGENCY INC | 500 W 13TH STREET FORT WORTH, TX 76102 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 6.15% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAN INSURANCE AGENCY INC | 500W 13TH STREET FORT WORTH, TX 76102 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 3.97% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | SUN LIFE ASSURANCE COMPANY OF CANADA | $56 | — | $56 | 0.09% |
| 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 | 5.97% |
| HIGGINBOTHAM INS AGENCY INC3 | 500 W 13TH STREET FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 6.19% |
| HIGGINBOTHAM INS AGENCY INC3 | 500 W 13TH STREET FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.58% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM AGENCY INSURANCE AGENE | 500 W 13TH STREET FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $912 | $912 | 5.73% |
| HIGGINBOTHAM INS AGENCY INC | 500 W 13TH STREET FORT WORTH, TX 76102 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $990 | — | $990 | 9.93% |
| HIGGINBOTHAM INS AGENCY INC Filed as: HIGGINBOTHAM & ASSOCIATES | 500 W. 13TH STREET FORT WORTH, TX 76102 | FIDELITY SECURITY LIFE INS CO | $32 | — | $32 | 10.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 SERVICE PROVIDER | Non-monetary compensation; Named fiduciary; Participant communication; Float revenue; Direct payment from the plan; Contract Administrator; Other services; Claims processing Service code 12 | — | $21K |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 165 | $310K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 76 | $65K |
| Vision(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 179 | $10K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 192 | $36K |
| Short-term disability(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 192 | $130K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 88 | $28K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 76 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.