| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | HEALTH CARE SERVICE CORPORATION | $37K | $0 | $37K | 3.37% |
| COMMUNITY INSURANCE LLC3 Filed as: COMMUNITY HEALTH INS AGENCY INC | — | HEALTH CARE SERVICE CORPORATION | $18K | $1K | $20K | 1.76% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | AMFIRST | $7K | $0 | $7K | 10.01% |
| MIKEL COOK3 | 4100 W ELDORADO PKWY #100-112 MCKINNEY, TX 75070 | AMFIRST | $4K | $0 | $4K | 6.49% |
| MWL3 | PO BOX 14067 JACKSON, MS 39236 | AMFIRST | $3K | $0 | $3K | 5.01% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $6K | $3K | $8K | 15.74% |
| COMMUNITY INSURANCE LLC3 Filed as: COMMUNITY HEALTH INSURANCE AGCY INC | 5900 SOUTHWEST PKWY BLDG 3 AUSTIN, TX 78735 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.18% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH CARE SERVICE CORPORATION | 159 | $1.2M |
| Dental | HEALTH CARE SERVICE CORPORATION | 157 | $1.1M |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 154 | $53K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 154 | $53K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 154 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.