| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 11700 KATY FREEWAY, SUITE 1100 HOUSTON, TX 77079 | BLUECROSS BLUESHIELD OF TEXAS | $27K | $1K | $28K | 3.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | BLUECROSS BLUESHIELD OF TEXAS | $14K | — | $14K | 1.57% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 11700 KATY FREEWAY, SUITE 1100 HOUSTON, TX 77079 | DEARBORN LIFE INSURANCE COMPANY | $17K | $8K | $25K | 12.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | DEARBORN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.17% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 WEST 13TH STREET FORT WORTH, TX 76102 | FOUR EVER LIFE INSURANCE COMPANY | $12K | $0 | $12K | 8.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 11700 KATY FREEWAY, SUITE 1100 HOUSTON, TX 77079 | BRELLA SERVICES, INC. | $24K | $0 | $24K | 20.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | STANDARD INSURANCE COMPANY | $5K | $547 | $6K | 8.27% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 2.52% |
| GOCO.IO INC3 Filed as: GOCO.IO, INC. | 16825 NORTHCHASE DRIVE, SUITE 1310 HOUSTON, TX 77060 | STANDARD INSURANCE COMPANY | $0 | $1K | $1K | 2.00% |
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 | 575 | 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) | 575 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 120 | $1.0M |
| Dental | STANDARD INSURANCE COMPANY | 211 | $69K |
| Vision(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 575 | $263K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 575 | $194K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 575 | $194K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 575 | $194K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 120 | $869K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 575 | $315K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 575 | — |
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.