| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILTON PAINTER ASSOCIATES INC3 | 201 WEST ADAMS BROWNWOOD, TX 76801 | BLUE CROSS BLUE SHIELD | $27K | — | $27K | 4.32% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W 13TH STREET FORT WORTH, TX 76102 | BLUE CROSS BLUE SHIELD | $8K | — | $8K | 1.35% |
| DMS INSURANCE AGENCY OF TEXAS LLC3 Filed as: DMS INSURANCE AGENCY OF TEXAS | 12400 COIT ROAD SUITE 1100 DALLAS, TX 75251 | GUARDIAN | $5K | $2K | $7K | 13.89% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN J MCGURRAN | 15303 N DALLAS PARKWAY #550 ADDISON, TX 75001 | GUARDIAN | $50 | — | $50 | 0.10% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W 13TH STREET FORT WORTH, TX 76102 | DEARBORN LIFE INSURANCE COMPANY | $793 | — | $793 | 12.50% |
| HILTON PAINTER ASSOCIATES INC3 | 201 WEST ADAMS BROWNWOOD, TX 76801 | DEARBORN LIFE INSURANCE COMPANY | $160 | — | $160 | 2.52% |
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 | 130 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 130 | $619K |
| Dental | GUARDIAN | 74 | $50K |
| Vision | GUARDIAN | 74 | $50K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 115 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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."
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.