| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $46K | $49K | 4.55% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | DELTA DENTAL INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | DELTA DENTAL INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| THE HORTON GROUP3 Filed as: LARRY G HORTON | 717 W MAIN ST MIDLOTHIAN, TX 76065 | AFLAC | $147 | $0 | $147 | 3.60% |
| TRUENORTH COMPANIES LC3 | 1200 E COPELAND RD STE 300 ARLINGTON, TX 76011 | AFLAC | $51 | $0 | $51 | 1.25% |
| MICHAEL A SIMPSON3 | 1318 MONTGOMERY LN SOUTHLAKE, TX 76092 | AFLAC | $50 | $0 | $50 | 1.22% |
| ANTHONY LAMONT CUINGTON3 | 1825 W WALNUT HILL LN STE 120 IRVING, TX 75038 | AFLAC | $47 | $0 | $47 | 1.15% |
| MARSHALL R BERKLEY3 | 12317 HUNTERS CROSSING LN BURLESON, TX 76028 | AFLAC | $45 | $0 | $45 | 1.10% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 123 | $1.1M |
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 63 | $41K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 123 | $1.1M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 123 | $1.1M |
| Short-term disability | AFLAC | 5 | $4K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 123 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.