| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | HEALTH CARE SERVICE CORPORATION | $47K | $1K | $48K | 3.85% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $0 | $9K | 9.89% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 9.19% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 14.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 13.84% |
| JOEL K WEGER3 | 370 S LAZY BEND ESTATES RD MILLSAP, TX 76066 | AFLAC | $419 | $0 | $419 | 3.98% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | AFLAC | $194 | $0 | $194 | 1.84% |
| MARY L WILLIAMS3 | 1102 STEVENS STE 1 BRIDGEPORT, TX 76426 | AFLAC | $160 | $0 | $160 | 1.52% |
| KENNETH B ISBELL3 | 905 W COLLEGE ST JACKSBORO, TX 76458 | AFLAC | $86 | $0 | $86 | 0.82% |
| TRISTA SUE STRAIT3 | 1029 AUSTIN CT WEATHERFORD, TX 76086 | AFLAC | $60 | $0 | $60 | 0.57% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $979 | $0 | $979 | 9.92% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | LIFE INSURANCE COMPANY OF AMERICA | $302 | $0 | $302 | 13.86% |
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 | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 189 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 138 | $89K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 159 | $10K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 211 | $30K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 37 | $14K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 153 | $13K |
| Other(2 contracts, 2 carriers) | AFLAC | 153 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.