| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | BLUECROSS BLUESHIELD OF TEXAS | $37K | $2K | $39K | 2.76% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST LLC | — | BLUECROSS BLUESHIELD OF TEXAS | $13K | — | $13K | 0.89% |
| HIGGINBOTHAM INS AGENCY INC3 | 500 W 13TH ST. FORT WORTH, TX 76102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 7.42% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST, LLC | 4211 WEST BOY SCOUT BLVD. SUITE 800 TAMPA, FL 33607 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 2.48% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 8.41% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 500 W. 13TH ST. FORT WORTH, TX 761010908 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 12.52% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 500 W 3TH ST. FORT WORTH, TX 761010908 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 12.43% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE ATTACHED | 370 S LAZY BEND ESTATES RD MILLSAP, TX 76066 | AFLAC | $2K | — | $2K | 17.63% |
| HIGGINBOTHAM INS AGENCY INC3 | 500 W. 13TH ST. FORT WORTH, TX 76102 | EYEMED VISION CARE | $796 | — | $796 | 7.47% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 W. 13TH ST. FORT WORTH, TX 76102 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $538 | — | $538 | 7.47% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST, LLC | 4211 WEST BOY SCOUT BLVD. SUITE 800 TAMPA, FL 33607 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $183 | — | $183 | 2.54% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $296 | — | $296 | 12.43% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 191 | $1.4M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 146 | $107K |
| Vision | EYEMED VISION CARE | 159 | $11K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 224 | $33K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 44 | $17K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 166 | $15K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 224 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.