| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | HEALTH CARE SERVICE CORPORATION | $44K | $1K | $46K | 6.93% |
| BRIDGE CREEK SERVICES, LLC3 Filed as: BRIDGE CREEK SERVICES LLC | — | HEALTH CARE SERVICE CORPORATION | $9K | $0 | $9K | 1.32% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | UNITED CONCORDIA INSURANCE COMPANY | $8K | $0 | $8K | 10.85% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $8K | 12.05% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | DEARBORN LIFE INSURANCE COMPANY | $6K | $2K | $8K | 19.98% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 10.70% |
| CRAIG LEE KREUTZER3 | 1112 WILSON DR LANTANA, TX 76226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $486 | $3K | 8.00% |
| STUART DUNKLE3 | 405 CR 3236 QUITMAN, TX 75783 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $216 | $2K | 7.08% |
| VIRGINIA LEDER-CLARK3 | 4513 BRINDLE WAY FLOWER MOUND, TX 75028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $845 | $308 | $1K | 3.40% |
| MPART BENEFITS INC3 | 4621 GLEN HEATHER DR FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $604 | $461 | $1K | 3.14% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | SUPERIOR VISION PLAN OF TEXAS | $982 | $0 | $982 | 10.00% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 137 | $660K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 171 | $72K |
| Vision | SUPERIOR VISION PLAN OF TEXAS | 92 | $10K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 120 | $39K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $67K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $67K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 120 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.