| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | HEALTH CARE SERVICE CORPORATION | $140K | $0 | $140K | 7.06% |
| MPART BENEFITS INC3 | 4621 GLEN HEATHER DR FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $11K | $24K | 11.15% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23K | $656 | $23K | 10.85% |
| TRAN B HUYEN-KEODARA3 | 499 STERLING BROOK DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $3K | $12K | 5.32% |
| DALLAS INSURANCE EXCHANGE II INC3 Filed as: DALLAS INSURANCE EXCHANGE INC | ATTN JOHN P BIEVENOUR DALLAS, TX 75248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $0 | $8K | 3.64% |
| BRANDY R BYERS3 | 9766 STONEHEARTH FORNEY, TX 75126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $316 | $6K | 2.82% |
| RUBEN D PEREZ3 | 6352 ALCORN AVE DALLAS, TX 75217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $415 | $3K | 1.56% |
| CALVIN DEAN INGLE3 | 1840 LARIAT TRAIL CELINA, TX 75009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $398 | $3K | 1.49% |
| PAMELA E JONES3 | 55 SHORELINE DR COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $946 | $352 | $1K | 0.60% |
| FRANCISCO X CABRERA3 | PO BOX 1871 FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $969 | $89 | $1K | 0.49% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $436 | $564 | $1K | 0.46% |
| FRANCES M ALEMAN3 | PO BOX 234 WINTERS, TX 79567 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $911 | $40 | $951 | 0.44% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | 1 CAUGHMAN FARM LN LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $859 | $87 | $946 | 0.44% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DR DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $323 | $377 | $700 | 0.32% |
| JACQUELINE ST HILAIRE3 Filed as: JACQUELINE KIM | 5017 BATON ROUGE BLVD FRISCO, TX 75035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $543 | $0 | $543 | 0.25% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DR THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $502 | $0 | $502 | 0.23% |
| DONNA JEAN NEUZIL3 | 15022 W MONTEREY WAY GOODYEAR, AZ 85395 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $349 | $75 | $424 | 0.20% |
| KIMBERLY ANN SHARPE3 | 1 JAHUE CT IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $355 | $0 | $355 | 0.16% |
| ERNESTO ELOY GARCIA3 | 4710 FALLON PL DALLAS, TX 75227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $305 | $36 | $341 | 0.16% |
| ALBERTO VALENZUELA3 | 3108 ROUNDTREE LN GARLAND, TX 75044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $280 | $0 | $280 | 0.13% |
| WILLIAM LEROY VINCENT3 | 2501 CHAMBRAY LN MANSFIELD, TX 76063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $169 | $21 | $190 | 0.09% |
| MARIA VANDYKE3 Filed as: MARIA ESCALONA | PO BOX 202587 ARLINGTON, TX 76006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | $0 | $102 | 0.05% |
| SULEIKA BLOOM3 | 152 LAKERIDGE DR DALLAS, TX 75218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | $0 | $79 | 0.04% |
| KAREN TYLER-DUNN3 | 714 SEYMOUR DR FRISCO, TX 75033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $8 | $50 | 0.02% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL FINANCIAL STRATEGIES INC | 7008 SALEM AVE LUBBOCK, TX 79424 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $12 | $50 | 0.02% |
| JOHN D EVANGELISTA3 | 26111 ANTONIO PKWY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $16 | $48 | 0.02% |
| PAULA GAIL NEAL3 | 610 FM 41 LUBBOCK, TX 79423 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $5 | $43 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: KERWIN VAUGHN BROWN | 1939 E MISSOURI AVE #5 PHOENIX, AZ 85016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $7 | $36 | 0.02% |
| MCCAREY INC3 | 965 MESA DR CAMARILLO, CA 93010 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $5 | $21 | 0.01% |
| VGM BENEFIT ENROLLMENTS LLC3 | 30310 HORSETHIEF DR TEHACHAPI, CA 93561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.01% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29702 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $3 | $6 | 0.00% |
| BRIAN JULIAN HAIR3 | 11 FALBROOK CT IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 0.00% |
| THOMAS H PEACOCK3 | PO BOX 61200 COLUMBIA, SC 29260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.00% |
| LORENE GONZALEZ BRANA3 | 4621 BARNHILL LN FORT WORTH, TX 76135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.00% |
| AMANDA K BERRY3 | 212 LAKESHIRE DR LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| JACLYN ERIKA TEMPLIN3 | 1408 FIRE TOWER RD PROSPERITY, SC 29127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.00% |
| ALICE RYAN STRIBLING3 | 511 KILBOURNE RD COLUMBIA, SC 29205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | DEARBORN LIFE INSURANCE COMPANY | $14K | $6K | $20K | 19.54% |
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 | 339 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 389 | $2.0M |
| Dental | HEALTH CARE SERVICE CORPORATION | 389 | $2.0M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 339 | $102K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 339 | $102K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 210 | $216K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 339 | $102K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 339 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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."
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.