| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $41K | $50K | 4.58% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 16.52% |
| MORETON & COMPANY3 Filed as: KERI MORTON | 12472 FM 2728 TERRELL, TX 75161 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 21.28% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 12.53% |
| LINDA A LECIEJEWSKI3 Filed as: LINDA ANNE LECIEJEWSKI | 1327 SPIRIT FALLS DR FRISCO, TX 75033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: TONYA BROWN | 827 COLORADO RIVER DRIVE GRANBURY, TX 76048 | CONTINENTAL AMERICAN INSURANCE COMPANY | $901 | $0 | $901 | 2.80% |
| THE BLUE ORANGE SOLUTIONS, LLC3 | 2435 N CENTRAL EXPY STE 1200 RICHARDSON, TX 75080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $476 | $0 | $476 | 1.48% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 16.36% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 16.24% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $531 | $0 | $531 | 17.56% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 321 | $1.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 321 | $1.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 321 | $1.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 155 | $35K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 101 | $16K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 74 | $26K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 160 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.