| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | HEALTH CARE SERVICE CORPORATION | $50K | $0 | $50K | 3.98% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $66 | $8K | 9.97% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $352 | $3K | 11.35% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 NORTH PIMA ROAD #210 SCOTTSDALE, AZ 85255 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 5.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $202 | $2K | 16.42% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 NORTH PIMA ROAD #210 SCOTTSDALE, AZ 85255 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $713 | $713 | 5.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $178 | $2K | 16.41% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 NORTH PIMA ROAD #210 SCOTTSDALE, AZ 85255 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $629 | $629 | 5.00% |
| JOEL K WEGER3 | 119 N MAIL ST #209 WEATHERFORD, TX 76086 | AFLAC | $734 | $21 | $755 | 6.56% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | AFLAC | $496 | $0 | $496 | 4.31% |
| TRISTA SUE STRAIT3 | 1029 AUSTIN CT WEATHERFORD, TX 76086 | AFLAC | $383 | $0 | $383 | 3.33% |
| MARY L WILLIAMS3 | 1102 STEVENS ST #1 BRIDGEPORT, TX 76426 | AFLAC | $277 | $8 | $285 | 2.48% |
| KENNETH B ISBELL3 | 905 W COLLEGE ST JACKSBORO, TX 76458 | AFLAC | $94 | $0 | $94 | 0.82% |
| ERIK SCOTT DALLY3 | 11134 HIGHWAY 199 W POOLVILLE, TX 76487 | AFLAC | $57 | $30 | $87 | 0.76% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | AFLAC | $67 | $0 | $67 | 0.58% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $793 | $0 | $793 | 10.04% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $324 | $31 | $355 | 16.44% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 NORTH PIMA ROAD #210 SCOTTSDALE, AZ 85255 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $108 | $108 | 5.00% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 197 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 142 | $84K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 131 | $8K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 234 | $26K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 39 | $14K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 157 | $13K |
| Other(2 contracts, 2 carriers) | AFLAC | 157 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.