| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | HEALTH CARE SERVICE CORPORATION | $23K | $0 | $23K | 2.73% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 2711 N HASKELL AVE STE 2000 DALLAS, TX 75204 | HEALTH CARE SERVICE CORPORATION | $0 | $19K | $19K | 2.24% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | P.O. BOX 908 HOUSTON, TX 77079 | UNITED CONCORDIA INSURANCE COMPANY | $2K | $0 | $2K | 7.30% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.69% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 2711 N HASKELL AVE STE 2000 DALLAS, TX 75204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.31% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $295 | $295 | 1.18% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W 13TH STREET FORT WORTH, TX 76102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 21.89% |
| STUART DUNKLE3 | 7316 GRAYSON DR PLANO, TX 75025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $331 | $2K | 17.27% |
| MARTHA MONCKTON3 Filed as: MARTHA LAURA GONZALEZ | 512 SHAYE CT SEAGOVILLE, TX 75159 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $107 | $2K | 15.11% |
| COLONIAL OF NORTH TEXAS INSURANCE3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $716 | $917 | $2K | 11.82% |
| VIRGINIA LEDER-CLARK3 | 5213 MARSHALL CRK FLOWER MOUND, TX 75028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $542 | $250 | $792 | 5.73% |
| LUANN MARIE YARBERRY3 | 4500 BERMUDA LN WICHITA FALLS, TX 76308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.04% |
| USI INSURANCE SERVICES LLC3 Filed as: USI ISNURANCE SERVICES INC | P.O. BOX 62689 VIRGINIA BEACH, VA 23466 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $701 | $0 | $701 | 6.67% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | P.O. BOX 908 FORT WORTH, TX 76101 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $476 | $0 | $476 | 4.53% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $562 | $0 | $562 | 8.73% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 2711 N HASKELL AVE STE 2000 DALLAS, TX 75204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $404 | $0 | $404 | 6.28% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $71 | $71 | 1.10% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $99 | $0 | $99 | 8.71% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | 2711 N HASKELL AVE STE 2000 DALLAS, TX 75204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $71 | $0 | $71 | 6.24% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $13 | $13 | 1.14% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 90 | $839K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 93 | $32K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 90 | $11K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 106 | $25K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 36 | $6K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 106 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.