| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPENSATION STRATEGIES GROUP OF TX3 | 101 SUMMIT AVENUE SUITE 600 FORT WORTH, TX 761022612 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $28K | $28K | 5.26% |
| COMPENSATION STRATEGIES GROUP OF TX3 | 101 SUMMIT AVENUE SUITE 600 FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $93 | $2K | 8.07% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W 13TH ST FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $329 | — | $329 | 1.21% |
| HEFA OPERATING LLC3 | 101 SUMMIT AVENUE SUITE 600 FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$2K | — | -$2K | -6.41% |
| COMPENSATION STRATEGIES GROUP OF TX3 | 101 SUMMIT AVENUE SUITE 600 FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $194 | $3K | 10.34% |
| 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 | $3K | $143 | $3K | 15.75% |
| COMPENSATION STRATEGIES GROUP OF TX3 | 101 SUMMIT AVENUE SUITE 600 FORT WORTH, TX 76102 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $4K | $11K | 76.67% |
| COMPENSATION STRATEGIES GROUP OF TX3 | 101 SUMMIT AVENUE, SUITE 600 FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $167 | $1K | 13.74% |
| HEFA OPERATING LLC3 | 101 SUMMIT AVENUE SUITE 600 FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $497 | $40 | $537 | 5.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE HEALTH PLAN EIN 55-0765726 NONE | Claims processing Service code 12 | — | $20K |
| COMPENSATION STRATEGIES GROUP OF TX EIN 75-2243397 NONE | Other commissions Service code 55 | — | $8K |
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 | 228 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 103 | $526K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 110 | $14K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 207 | $45K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 207 | $26K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 50 | $10K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 207 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.