| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | UNITED CONCORDIA INSURANCE COMPANY | $935 | $0 | $935 | 8.39% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $611 | $0 | $611 | 15.00% |
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 N PIMA RD #210 SCOTTSDALE, AZ 85255 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $204 | $204 | 5.01% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $478 | $0 | $478 | 15.01% |
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 N PIMA RD #210 SCOTTSDALE, AZ 85255 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $159 | $159 | 4.99% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $355 | $0 | $355 | 15.01% |
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 N PIMA RD #210 SCOTTSDALE, AZ 85255 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $118 | $118 | 4.99% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $134 | $0 | $134 | 7.87% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | UNITED CONCORDIA DENTAL PLANS OF TEXAS, INC. | $45 | $0 | $45 | 6.60% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $99 | $0 | $99 | 14.93% |
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 N PIMA RD #210 SCOTTSDALE, AZ 85255 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $33 | $33 | 4.98% |
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 | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 168 | $12K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 178 | $2K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $3K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 92 | $4K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $3K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.