| 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 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $1K | $5K | 15.57% |
| FAIRLY CONSULTING GROUP LLC3 | PO BOX 1149 AMARILLO, TX 79105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $894 | $0 | $894 | 2.71% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $672 | $3K | 15.49% |
| FAIRLY CONSULTING GROUP LLC3 | PO BOX 1149 AMARILLO, TX 79105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $571 | $0 | $571 | 2.77% |
| INSURANCE MANAGEMENT SERVICES3 | 731 N TAYLOR AMARILLO, TX 79107 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $256 | $68 | $324 | 15.55% |
| FAIRLY CONSULTING GROUP LLC3 | PO BOX 1149 AMARILLO, TX 79105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $57 | $0 | $57 | 2.74% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 222 | $21K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 180 | $33K |
| Other(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 180 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.