| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE APPLICATIONS GROUP3 | — | BCS INSURANCE COMPANY | $85K | $0 | $85K | 17.07% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | BCS INSURANCE COMPANY | $15K | $0 | $15K | 3.00% |
| INSURANCE APPLICATIONS GROUP3 | — | 4EVER LIFE INSURANCE COMPANY | $13K | $0 | $13K | 13.36% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | 4EVER LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.67% |
| INSURANCE APPLICATIONS GROUP3 | — | BCS INSURANCE COMPANY | $9K | $0 | $9K | 16.94% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | BCS INSURANCE COMPANY | $2K | $0 | $2K | 3.00% |
| INSURANCE APPLICATIONS GROUP3 | — | 4 EVER LIFE INSURANCE COMPANY | $560 | $0 | $560 | 20.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | 4 EVER LIFE INSURANCE COMPANY | $84 | $0 | $84 | 3.00% |
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 | 334 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BCS INSURANCE COMPANY | 400 | $547K |
| Dental(2 contracts) | BCS INSURANCE COMPANY | 400 | $547K |
| Vision(2 contracts) | BCS INSURANCE COMPANY | 400 | $547K |
| Life insurance(2 contracts, 2 carriers) | 4EVER LIFE INSURANCE COMPANY | 206 | $103K |
| Short-term disability(2 contracts, 2 carriers) | 4EVER LIFE INSURANCE COMPANY | 206 | $103K |
| Other(2 contracts, 2 carriers) | 4EVER LIFE INSURANCE COMPANY | 206 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.