| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCNALLY WILKINS, INC.3 | PO BOX 60810 MIDLAND, TX 79711 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | $0 | $32K | 13.47% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $972 | $8K | 3.48% |
| INSURANCE ONE MANAGEMENT INC3 Filed as: INSURANCE ONE MANAGEMENT INC. | 1309 W WALL STREET MIDLAND, TX 79702 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 2.35% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | DEARBORN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.53% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.89% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $491 | $66 | $557 | 3.09% |
| MCNALLY WILKINS, INC.3 | PO BOX 60810 MIDLAND, TX 76711 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $231 | $0 | $231 | 3.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 12750 MERIT DR, STE. 1000 DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $187 | $0 | $187 | 2.94% |
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 | 362 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 393 | $234K |
| Vision | VISION SERVICE PLAN | 346 | $58K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 386 | $151K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 390 | $237K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 390 | $237K |
| Other(3 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 386 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 393 | — |
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.