| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76102 | UNITEDHEALTHCARE INSURANCE COMPANY | $74K | $0 | $74K | 4.82% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76102 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $32K | $32K | 4.89% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76102 | THE GUARDIAN LIFE INSURANCE COMPANY | $20K | $10K | $30K | 10.63% |
| BETTENA L WINNICKI4 | 5748 WINDWORTH DR WINSTON SALEM, NC 271069784 | PRE-PAID LEGAL SERVICES DBA LEGAL SHIELD | $172 | $0 | $172 | 4.02% |
| GALLAGHER BENEFIT SERVICES, INC.4 Filed as: GALLAGHER BENEFIT SERVICES | 4250 CONGRESS ST STE 200 CHARLOTTE, NC 282090038 | PRE-PAID LEGAL SERVICES DBA LEGAL SHIELD | $118 | $0 | $118 | 2.76% |
| HILB GROUP OF NEW ENGLAND4 Filed as: HILB GROUP OF NORTH CAROLINA LLC | 331 ALCOVE RD STE 200 MOORESVILLE, NC 281177669 | PRE-PAID LEGAL SERVICES DBA LEGAL SHIELD | $60 | $0 | $60 | 1.40% |
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 | 245 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 140 | $2.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 233 | $283K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 233 | $283K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 233 | $283K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 233 | $283K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 233 | $283K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 233 | $287K |
| 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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.