| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | HEALTH CARE SERVICE CORPORATION | $64K | $7K | $70K | 3.76% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | C/O NATL ENROLLMENT PARTNERS CRANSTON, RI 02920 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $10K | $23K | 10.07% |
| MPART BENEFITS INC3 | 100 ALBRIGHT LN PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $12K | $22K | 9.97% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $1K | $15K | 6.73% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DR THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $865 | $5K | 2.05% |
| VIRGINA LEDER-CLARK3 | 2800 SPRNG OAKS HIGHLAND VILLAGE, TX 75077 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 1.84% |
| WILLIAM LEROY VINCENT3 | 2501 CHAMBRAY LN MANSFIELD, TX 76063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $600 | $3K | 1.54% |
| INGLE BENEFITS LLC3 | 1840 LARIAT TRAIL CELINA, TX 75009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $785 | $99 | $884 | 0.39% |
| PETER DEL INVESTMENTS INC3 | 247 GRAHAM FORNEY, TX 75126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $504 | $177 | $681 | 0.30% |
| CAROL M PASTERNAK-RIFFE3 | 247 GRAHAM FORNEY, TX 75126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $588 | $0 | $588 | 0.26% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET STE 900 KANSAS CITY, MO 64112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $371 | $0 | $371 | 0.17% |
| KAREN TYLER-DUNN3 | 714 SEYMOUR DR FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $353 | $0 | $353 | 0.16% |
| VICTOR T MALVEAUX SR3 | 130 COOL BROOK DR RED OAK, TX 75154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $135 | $0 | $135 | 0.06% |
| FRANCISCO X CABRERA3 | 8616 PALMER CT MCKINNEY, TX 75072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $118 | $0 | $118 | 0.05% |
| SHAREE HOOPER3 | 2542 N SURTEES PL FAYETTEVILLE, AR 72704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $0 | $66 | 0.03% |
| ERIC BROGAN3 Filed as: ERIC L MILLER | 8720 ELBE TRL FORT WORTH, TX 76118 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $0 | $66 | 0.03% |
| BARBARA ANN BASTON3 | 5401 MANSEL LN FORT WORTH, TX 76134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | $0 | $57 | 0.03% |
| CHRISTOPHER D TYLER3 | 714 SEYMOUR DR FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $0 | $49 | 0.02% |
| TBX EMPLOYEE BENEFITS LLC3 | 7500 DALLAS PKWY PLANO, TX 75024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $0 | $46 | 0.02% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | DEARBORN LIFE INSURANCE COMPANY | $19K | $6K | $25K | 18.51% |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 261 | $1.9M |
| Dental | HEALTH CARE SERVICE CORPORATION | 261 | $1.9M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 359 | $136K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 359 | $136K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 359 | $136K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 359 | $361K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.