| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | HEALTH CARE SERVICE CORPORATION | $42K | $918 | $43K | 2.57% |
| BRIDGE CREEK SERVICES, LLC3 | — | HEALTH CARE SERVICE CORPORATION | $8K | $0 | $8K | 0.47% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | DEARBORN LIFE INSURANCE COMPANY | $13K | $5K | $19K | 17.02% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNITED CONCORDIA INSURANCE COMPANY | $7K | $0 | $7K | 9.17% |
| LUANN MARIE YARBERRY3 | 4211 CANYON TRAILS DRIVE WICHITA FALLS, TX 76309 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 5.16% |
| STUART DUNKLE3 | 405 CR 3236 QUITMAN, TX 75783 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $922 | $95 | $1K | 3.59% |
| CRAIG LEE KREUTZER3 | 1112 WILSON DRIVE LANTANA, TX 76226 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $600 | $27 | $627 | 2.21% |
| VIRGINIA LEDER-CLARK3 | 4513 BRINDLE WAY FLOWER MOUND, TX 75028 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $459 | $123 | $582 | 2.06% |
| MPART BENEFITS INC3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $281 | $109 | $390 | 1.38% |
| CALVIN DEAN INGLE3 | 1840 LARIAT TRAIL CELINA, TX 75009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $197 | $67 | $264 | 0.93% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | SUPERIOR VISION PLAN OF TEXAS | $917 | $0 | $917 | 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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 132 | $1.7M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 170 | $75K |
| Vision | SUPERIOR VISION PLAN OF TEXAS | 85 | $9K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 122 | $109K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 122 | $109K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 122 | $109K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 122 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.