| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LLC | — | BLUECROSS BLUESHIELD OF TEXAS | $48K | $0 | $48K | 3.49% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | — | BLUECROSS BLUESHIELD OF TEXAS | $36K | $2K | $38K | 2.77% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | — | BLUECROSS BLUESHIELD OF TEXAS | $0 | $4K | $4K | 0.30% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 WEST 13TH ST FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 8.28% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | P.O. BOX 441 DES MOINES, ID 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $865 | $3K | 2.09% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 WEST 13TH ST FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $382 | $3K | 11.50% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | P.O. BOX 441 DES MOINES, ID 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $280 | $2K | 8.45% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC | PO BOX 9201 AUSTIN, TX 78766 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 5.87% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 11700 KATY FREEWAY, SUITE 1100 HOUSTON, TX 77079 | DEARBORN LIFE INSURANCE COMPANY | $632 | $971 | $2K | 13.78% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | P.O. BOX 441 DES MOINES, ID 50302 | DEARBORN LIFE INSURANCE COMPANY | $739 | $0 | $739 | 6.35% |
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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 208 | $1.4M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 208 | $1.4M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 126 | $12K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 206 | $149K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 206 | $121K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 206 | $121K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 206 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.