| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMIE S POPE3 | 1225 NOTTINGHAM LN BEAUMONT, TX 77706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17K | — | $17K | 8.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 WEST 13TH STREET FORT WORTH, TX 76102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | — | $14K | 6.25% |
| JAMIE S POPE3 | 1225 NOTTINGHAM LN BEAUMONT, TX 77706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $6K | $6K | 2.82% |
| DARIN POTTS3 | 100 DETERING ST SPT 2128 HOUSTON, TX 77007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 2.65% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 WEST 13TH STREET FORT WORTH, TX 76102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 2.28% |
| DARIN POTTS3 | 100 DETERING ST SPT 2128 HOUSTON, TX 77007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $5K | $5K | 2.23% |
| BOWLES INSURANCE SERVICES LLC3 | 12816 S WINDING PINES DR TOMBALL, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 2.15% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT ST CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.07% |
| BOWLES INSURANCE SERVICES LLC3 | 12816 S WINDING PINES DR TOMBALL, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $2K | $2K | 0.99% |
| DEBRA KAY GAPP3 | 20302 STONE FALLS CT CYPRESS, TX 77433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.67% |
| K G SMITH LLC3 | 7606 EASTWOOD LAKE LANE RICHMOND, TX 77407 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $922 | — | $922 | 0.42% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT ST CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $780 | $780 | 0.36% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 WEST 13TH STREET FORT WORTH, TX 76102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $285 | $285 | 0.13% |
| BILLY MARK ROBERSON3 | 19210 BOCA DEL MAR SAN ANTONIO, TX 78258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $251 | — | $251 | 0.12% |
| DEBRA KAY GAPP3 | 20302 STONE FALLS CT CYPRESS, TX 77433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $210 | $210 | 0.10% |
| WAYNE JAMES PITRIE3 | 9737 BEVLYN DR HOUSTON, TX 77025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | — | $80 | 0.04% |
| K G SMITH LLC3 | 7606 EASTWOOD LAKE LANE RICHMOND, TX 77407 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $79 | $79 | 0.04% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DR THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.02% |
| STEVEN WOOD3 | 25635 WEIGELA SAN ANTONIO, TX 78261 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $14 | $14 | 0.01% |
| STEVEN WOOD3 | 25635 WEIGELA SAN ANTONIO, TX 78261 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.00% |
| VERA ANN PAREDES3 | 1414 RICHEY ST STE 6 PASADENA, TX 77502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.00% |
| ROMEO TYRONE GAINEY3 | 608 TRADITIONS WAY COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| LOUIS NICHOLAS CHIASSON3 | 182 NIEMEYER RD LUMBERTON, MS 39455 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| LIG BENEFITS LLC3 | 11918 PERRY CROSSING PKWY SELLERSBERG, IN 47172 | 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% |
| VICKIE E LEWIS3 | 6558 STOVALL RD CAVE CITY, KY 42127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD 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% |
| VERA ANN PAREDES3 | 1414 RICHEY ST STE 6 PASADENA, TX 77502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $1 | $1 | 0.00% |
| BILLY MARK ROBERSON3 | 19210 BOCA DEL MAR SAN ANTONIO, TX 78258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $1 | $1 | 0.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 WEST 13TH STREET FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | — | $15K | 10.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 WEST 13TH STREET FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 2.14% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 WEST 13TH STREET FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | — | $21K | 15.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 WEST 13TH STREET FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $7K | $7K | 5.31% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 WEST 13TH STREET FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | — | $20K | 15.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 WEST 13TH STREET FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 4.43% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLZ DR 13TH FL CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 3.67% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 WEST 13TH STREET FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 WEST 13TH STREET FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 4.91% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 WEST 13TH STREET FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 WEST 13TH STREET FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 4.87% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 WEST 13TH STREET FORT WORTH, TX 76102 | VISION SERVICE PLAN | $2K | — | $2K | 10.00% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | — | $117 | $117 | 0.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | 150 W WAUSAU AVENUE WAUSAU, WI 54401 | $339K |
| HIGGINBOTHAM INSURANCE AGENCY INC EIN 26-0879999 BROKER | Other commissions Service code 55 | 500 W 13TH STREET FORT WORTH, TX 76102 | $94K |
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 | 560 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 560 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 221 | $218K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 244 | $150K |
| Vision | VISION SERVICE PLAN | 240 | $23K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 309 | $166K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 221 | $356K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 165 | $79K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 251 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.