| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 W 13TH ST FT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $80K | $33K | $112K | 19.25% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLZ DR 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 1.06% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W 13TH STREET FORT WORTH, TX 76102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20K | $281 | $21K | 8.04% |
| JAMIE S POPE3 | 1225 NOTTINGHAM LN BEAUMONT, TX 77706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | $2K | $18K | 6.87% |
| DARIN POTTS3 | 100 DETERING ST APT 2128 HOUSTON, TX 77007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $3K | $8K | 3.17% |
| HOWARD J HOROWITZ3 | 2610 ALCOTT ST CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $903 | $6K | 2.27% |
| BOWLES INSURANCE SERVICES LLC3 | 12816 S WINDING PINES DR TOMBALL, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 1.99% |
| CAROLE H WARREN3 | 2716 HANOVER CIR S APT 801 BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $472 | $183 | $655 | 0.26% |
| K G SMITH LLC3 | 7606 EASTWOOD LAKE LANE RICHMOND, TX 77407 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $395 | — | $395 | 0.15% |
| WORKSITE WHEELHOUSE3 | 103-107 CHURCH ST APT 3 PHILADELPHIA, PA 19106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $179 | $90 | $269 | 0.10% |
| ACRISURE LLC3 Filed as: ACRISURE NJ PARTNERS INSURANCE SERV | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $264 | — | $264 | 0.10% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | C/O NATL ENROLLMENT PARTNERS CRANSTON, RI 02920 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $107 | $121 | $228 | 0.09% |
| JT BENEFITS LLC3 | 262 YEAGER PKWY STE D PELHAM, AL 35124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | $46 | $129 | 0.05% |
| DEBRA KAY GAPP3 | 20302 STONE FALLS CT CYPRESS, TX 77433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | — | $104 | 0.04% |
| BILLY MARK ROBERSON3 | 19210 BOCA DEL MAR SAN ANTONIO, TX 78258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | — | $82 | 0.03% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DR THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.01% |
| ROMEO TYRONE GAINEY3 | 608 TRADITIONS WAY COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| MEGAN ELIZABETH CASTO3 Filed as: MEGAN GOODMAN | 2127 BEELER ST NEW ALBANY, IN 47150 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| LOUIS NICHOLAS CHIASSON3 | 182 NIEMEYER RD LUMBERTON, MS 39455 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| VICKIE E LEWIS3 | 6590 STOVALL ROAD CAVE CITY, KY 42127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| W F HILL AND ASSOCIATES INC3 | 30700 TELEGRAPH RD STE 2620 BINGHAM FARMS, MI 48025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD STE LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MARY DUFF3 | 1005 RICHMOND RD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DR UNIT 203 DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CHARLES ALLEN PINKERTON3 | 2653 CADES CV BRIGHTON, MI 48114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W 13TH ST FORT WORTH, TX 76102 | VISION SERVICE PLAN | $3K | — | $3K | 8.27% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $1 | — | $1 | 0.00% |
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 | 304 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 304 | $584K |
| Vision | VISION SERVICE PLAN | 229 | $34K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 304 | $584K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 304 | $584K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 304 | $584K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 259 | $1.5M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 304 | $840K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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.