| 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 AND AFFILIATES (CIGNA) | $83K | $0 | $83K | 7.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM & ASSOCIATES | 500 W. 13TH STREET FORT WORTH, TX 76102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | -$3K | $0 | -$3K | -0.28% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 W 13TH STREET FORT WORTH, TX 76102 | VISION SERVICE PLAN | $0 | $4K | $4K | 5.50% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 W 13TH STREET FORT WORTH, TX 76102 | VISION SERVICE PLAN | $0 | $179 | $179 | 5.32% |
| HIGGINBOTHAM INS AGENCY INC7 Filed as: HIGGINBOTHAM & ASSOCIATES | PO BOX 908 500 W. 13TH STREET FORT WORTH, TX 76102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $7K | $7K | 353.97% |
| HIGGINBOTHAM INS AGENCY INC7 Filed as: HIGGINBOTHAM & ASSOCIATES | PO BOX 908 500 W. 13TH STREET FORT WORTH, TX 76102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | — |
| HIGGINBOTHAM INS AGENCY INC7 Filed as: HIGGINBOTHAM & ASSOCIATES | PO BOX 908 500 W. 13TH STREET FORT WORTH, TX 76102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $628 | $628 | — |
| HIGGINBOTHAM INS AGENCY INC7 Filed as: HIGGINBOTHAM & ASSOCIATES | PO BOX 908 500 W. 13TH STREET FORT WORTH, TX 76102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | — |
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 | 453 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 459 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 1,221 | $1.2M |
| Vision(2 contracts) | VISION SERVICE PLAN | 491 | $80K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 666 | $2K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 666 | $0 |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 844 | $0 |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 1,221 | $1.2M |
| Other | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 1,221 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,221 | — |
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.