| 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 761010908 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $86K | $86K | 6.31% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 761010908 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | $1K | $16K | 11.51% |
| GIS OF ILLINOIS3 Filed as: GIS BEENFITS INC | 422 WAUPONSEE ST MORRIS, IL 604502215 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $7K | $12K | 9.21% |
| THREESIXY WEALTH3 | — | COMBINED INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 11.17% |
| GIS BENEFITS INC3 | — | COMBINED INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 5.39% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 761010908 | COMBINED INSURANCE COMPANY OF AMERICA | $674 | $0 | $674 | 2.41% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 761010908 | EQUITABLE | $4K | $0 | $4K | 14.47% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201 BLDG1, SUITE 100 AUSTIN, TX 78766 | EQUITABLE | $0 | $943 | $943 | 3.87% |
| GIS BENEFITS INC3 Filed as: GIS | — | EQUITABLE | $863 | $0 | $863 | 3.54% |
| BENEPORT LLC3 Filed as: BENEPORT | — | COMBINED INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 30.41% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | — | COMBINED INSURANCE COMPANY OF AMERICA | $924 | $0 | $924 | 13.42% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 761010908 | COMBINED INSURANCE COMPANY OF AMERICA | $449 | $0 | $449 | 6.52% |
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 | 254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 322 | $1.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 205 | $135K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 205 | $135K |
| Life insurance | EQUITABLE | 305 | $24K |
| Other(4 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 305 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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.