| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 WEST 13TH FORT WORTH, TX 46102 | BLUE CROSS BLUE SHIELD OF TEXAS | $103K | $0 | $103K | 3.14% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | BLUE CROSS BLUE SHIELD OF TEXAS | $36K | $0 | $36K | 1.08% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 WEST 13TH FORT WORTH, TX 46102 | HUMANA INSURANCE COMPANY | $17K | $6K | $23K | 8.33% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | HUMANA INSURANCE COMPANY | $6K | $0 | $6K | 2.16% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 WEST 13TH FORT WORTH, TX 46102 | AMERICAN UNITED LIFE INSURANCE COMPANY | $18K | $0 | $18K | 11.37% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | AMERICAN UNITED LIFE INSURANCE COMPANY | $9K | $0 | $9K | 5.23% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 WEST 13TH FORT WORTH, TX 46102 | COMBINED INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 34.84% |
| BRIAN EDWARD JUND3 Filed as: BRIAN JUND | UNKNOWN COPPELL, TX 75019 | COMBINED INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 3.97% |
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 | 384 | 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) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 629 | $3.3M |
| Dental | HUMANA INSURANCE COMPANY | 304 | $280K |
| Vision | HUMANA INSURANCE COMPANY | 304 | $280K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 384 | $163K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 384 | $163K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 384 | $163K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 629 | $3.3M |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 384 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 629 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.