| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLSPRING INSURANCE AGENCY INC3 | 124 OLD TOWN BLVD NORTH STE 100 ARGYLE, TX 76226 | HEALTH CARE SERVICE CORPORATION | $16K | $0 | $16K | 3.72% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | HEALTH CARE SERVICE CORPORATION | $5K | $0 | $5K | 1.22% |
| WELLSPRING INSURANCE AGENCY INC3 | 124 OLD TOWN BLVD NORTH STE 100 ARGYLE, TX 76226 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 11.98% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 4.09% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 S MICHIGAN AVE STE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $34 | $34 | 0.11% |
| WELLSPRING INSURANCE AGENCY INC3 | 124 OLD TOWN BLVD NORTH STE 100 ARGYLE, TX 76226 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 7.50% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $743 | $0 | $743 | 2.50% |
| OPES ONE ADVISORS LLC3 | 15303 DALLAS PKWY ADDISON, TX 75001 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $85 | $0 | $85 | 0.29% |
| WELLSPRING INSURANCE AGENCY INC3 | 124 OLD TOWN BLVD NORTH STE 100 ARGYLE, TX 76226 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $421 | $0 | $421 | 8.23% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $91 | $0 | $91 | 1.78% |
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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 118 | $443K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 68 | $30K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 97 | $5K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 108 | $31K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 108 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.