| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $46K | $0 | $46K | 10.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | $7K | $26K | 14.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | $7K | $25K | 14.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $5K | $16K | 14.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $2K | $14K | 22.50% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $1K | $9K | 22.50% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $611 | $5K | 22.50% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $720 | $3K | 14.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $813 | $325 | $1K | 14.00% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 122 W PINE ST STE 20 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $162 | $0 | $162 | 45.76% |
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 | 2,224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 751 | $460K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 751 | $460K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,248 | $184K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 261 | $182K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 213 | $115K |
| Other(6 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,247 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,248 | — |
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.