| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF TEXAS | 1120 CAPITAL OF TEXAS HIGHWAY BLDG 3, SUITE 300 AUSTIN, TX 78746 | NEW PATH MUTUAL INSURANCE COMPANY | $0 | $27K | $27K | 6.00% |
| REDIRECT CONNECT3 | 2020 N CENTRAL RD, #400 PHOENIX, AZ 85004 | NEW PATH MUTUAL INSURANCE COMPANY | $0 | $18K | $18K | 4.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC. | 11700 KATY FWY SUITE 1100 HOUSTON, TX 77079 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 6.22% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF TEXAS LLC | 500 N CENTRAL EXPY SUITE 550 PLANO, TX 75074 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 5.75% |
| DALLAS INSURANCE EXCHANGE II INC3 Filed as: DALLAS INSURANCE EXCHANGE II INC. | 15660 DALLAS PKWY SUITE 500 DALLAS, TX 75248 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 1.73% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CAPITAL, INC. | 500 N CENTRAL EXPY SUITE 550 PLANO, TX 75074 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $235 | $3K | 7.05% |
| AFFORDABLE BENEFIT SOLUTIONS3 | 50 W 700N LOGAN, UT 84321 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.73% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC. | 500 W 13TH STREET FORTH WORTH, TX 76102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $363 | — | $363 | 3.43% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W 13TH STREET FORT WORTH, TX 76102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | — | $95 | 0.90% |
| BARBARA ANN BASTON3 | 5401 MANSEL LN FORT WORTH, TX 76134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | — | $84 | 0.79% |
| VICTOR T MALVEAUX SR3 | 130 COOL BROOK DR RED OAK, TX 75154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 0.64% |
| ERIC BROGAN3 Filed as: ERIC L MILLER | 8720 ELBE TRL FORT WORTH, TX 76118 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 0.53% |
| KAREN TYLER-DUNN3 | 714 SEYMOUR DR FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.48% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF TEXAS LLC | 500 NORTH CENTRAL EXPRESSWAY PLANO, TX 75074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.29% |
| PETER DEL INVESTMENTS INC3 Filed as: PETER DEL INVESTMENTS INC. | 247 GRAHAM FORNEY, TX 75126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.28% |
| JENNIFER RICHARDS3 | 2601 SCOTT AVE STE 402 FORT WORTH, TX 76103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.25% |
| JEFFREY BELFOURE3 | 2601 SCOTT AVE STE 402 FORT WORTH, TX 76103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.25% |
| CAROL M PASTERNAK-RIFFE3 | 247 GRAHAM DR FORNEY, TX 75126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.09% |
| ANNETTE BASTON ROBINSON3 | 5401 MANSEL LN FORT WORTH, TX 76134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC. | 500 W 13TH STREET FORT WORTH, TX 76102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $365 | — | $365 | 3.76% |
| ERIC BROGAN3 Filed as: ERIC L MILLER | 8720 ELBE TRL FORT WORTH, TX 76118 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | — | $91 | 0.94% |
| HIGGINBOTHAM INS AGENCY INC2 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC. | 500 W 13TH STREET FORT WORTH, TX 76102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 0.75% |
| VICTOR T MALVEAUX SR3 Filed as: VICTOR T MALVEAUX SR. | 130 COOL BROOK DR RED OAK, TX 75154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.55% |
| KAREN TYLER-DUNN3 | 714 SEYMOUR DR FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.45% |
| PETER DEL INVESTMENTS INC3 Filed as: PETER DEL INVESTMENTS INC. | 247 GRAHAM FORNEY, TX 75126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.24% |
| BARBARA ANN BASTON3 | 5401 MANSEL LN FORT WORTH, TX 76134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.23% |
| JENNIFER RICHARDS3 | 2601 SCOTT AVE STE 402 FORT WORTH, TX 76103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.23% |
| JEFFREY BELFOURE3 | 2601 SCOTT AVE STE 402 FORT WORTH, TX 76103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.23% |
| CAROL M PASTERNAK-RIFFE3 | 247 GRAHAM DR FORNEY, TX 75126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.11% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF TEXAS LLC | 500 NORTH CENTRAL EXPRESSWAY PLANO, TX 75074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.10% |
| ANNETTE BASTON ROBINSON3 | 5401 MANSEL LN FORT WORTH, TX 76134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF TEXAS LLC | 500 CENTRAL EXPY SUITE 550 PLANO, TX 75074 | SUN LIFE AND HEALTH INSURANCE CO | $293 | — | $293 | 4.94% |
| BRUCE CROHN LLC3 Filed as: BRUCE HARRIS | — | SUN LIFE AND HEALTH INSURANCE CO | $150 | — | $150 | 2.53% |
| HAMMAN MILLER BEAUCHAMP DEEBLE3 Filed as: HAMMAN GROUP INSURANCE | — | SUN LIFE AND HEALTH INSURANCE CO | $150 | — | $150 | 2.53% |
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). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NEW PATH MUTUAL INSURANCE COMPANY | 144 | $446K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 176 | $67K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 176 | $67K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 388 | $48K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 388 | $42K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 388 | $42K |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 388 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.