| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | HEALTH CARE SERVICE CORPORATION | $49K | $0 | $49K | 3.85% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | DEARBORN LIFE INSURANCE COMPANY | $19K | $0 | $19K | 9.88% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | KAISER FOUNDATION HEALTH PLAN INC | $8K | $0 | $8K | 5.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | KAISER FOUNDATION HEALTH PLAN INC | $1K | $0 | $1K | 4.97% |
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 | 207 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HEALTH CARE SERVICE CORPORATION | 263 | $1.5M |
| Dental | HEALTH CARE SERVICE CORPORATION | 263 | $1.3M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 216 | $191K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 216 | $191K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 216 | $191K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 216 | $191K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 216 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.