| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 WEST 13TH STREET FORTH WORTH, TX 76102 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $4K | $6K | 8.69% |
| COMPENSATION STRATEGIES GROUP OF TX3 | 101 SUMMIT AVENUE SUITE 600 FORT WORTH, TX 76102 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.25% |
| LILJENWALL-KANE DBA THE FIN PR3 | 8140 N MOPAC BUILDING 1 SUITE 230 AUSTIN, TX 78759 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29 | — | $29 | 0.05% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W 13TH STREET FORT WORTH, TX 76102 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 16.27% |
| MITCH BESVINICK3 | 1280 BRIGHTON WAY NEW TOWN SQUARE, PA 19073 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.74% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 WEST 13TH STREET FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $274 | $2K | 7.02% |
| COMPENSATION STRATEGIES GROUP OF TX3 | MALLICK TOWER 101 SUMMIT AVENUE SUITE 600 FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $993 | $74 | $1K | 4.55% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W 13TH ST FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $76 | $4K | 27.46% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 WEST 13TH STREET FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $154 | $1K | 9.90% |
| COMPENSATION STRATEGIES GROUP OF TX3 Filed as: COMPENSATION STRATIGIES GROUP OF TX | MALLICK TOWER 101 SUMMIT AVENUE SUITE 600 FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $840 | $42 | $882 | 6.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KEY BENEFIT ADMINISTRATORS INC EIN 35-1450364 NONE | Contract Administrator Service code 13 | — | $27K |
| AMERICAN HEALTH DATA INSTITUTE EIN 35-2048379 NONE | Contract Administrator Service code 13 | — | $7K |
| HIGGINBOTHAM INSURANCE AGENCY INC EIN 75-1732559 NONE | Insurance agents and brokers Service code 22 | — | $7K |
| COMPENSATION STRATEGIES GROUP EIN 75-2243397 NONE | Insurance agents and brokers Service code 22 | — | $5K |
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 | 216 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 167 | $38K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $64K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 212 | $37K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 212 | $23K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 212 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.