| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $41K | $50K | 5.48% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $0 | $12K | 15.00% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 5.28% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 15.00% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 5.45% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 20.44% |
| BRIAN EDWARD JUND3 | NATIONAL BENEFIT PARTNERS 23282 MILL CREEK DR STE 390 LAGUNA HILLS, CA 92653 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $175 | $0 | $175 | 1.06% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | EYE MED | $846 | $0 | $846 | 9.21% |
| SCOTT A METCALF3 | 7032 PINON FORT WORTH, TX 76116 | PROTECTIVE LIFE INSURANCE COMPANY | $560 | $0 | $560 | 11.44% |
| JERRELL G CLAY3 | 1600 HWY 6 STE 400 SUGAR LAND, TX 77478 | PROTECTIVE LIFE INSURANCE COMPANY | $245 | $0 | $245 | 5.01% |
| JIMMY A DESORMEAUX3 | PO BOX 9793 NEW IBERIA, LA 70562 | PROTECTIVE LIFE INSURANCE COMPANY | $106 | $0 | $106 | 2.17% |
| LAURA MCCLUNG PLYLER3 Filed as: LAURA SIMS | — | PROTECTIVE LIFE INSURANCE COMPANY | $67 | $0 | $67 | 1.37% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $645 | $0 | $645 | 15.00% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $245 | $245 | 5.70% |
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 | 149 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 165 | $914K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 165 | $914K |
| Vision | EYE MED | 126 | $9K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 213 | $80K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 72 | $20K |
| Other(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 196 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.