| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $16K | $0 | $16K | 2.80% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $30K | $13K | $42K | 14.21% |
| ADP INC5 Filed as: AUTOMATIC DATA PROCESSING INC | PO BOX 842875 BOSTON, MA 02284 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $27K | $27K | 9.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $10K | $30K | 14.83% |
| ADP INC5 Filed as: AUTOMATIC DATA PROCESSING INC | PO BOX 842875 BOSTON, MA 02284 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $18K | $18K | 9.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $9K | $25K | 15.42% |
| ADP INC5 Filed as: AUTOMATIC DATA PROCESSING INC | PO BOX 842875 BOSTON, MA 02284 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $15K | $15K | 9.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNITED HEALTHCARE INSURANCE COMPANY | $9K | $0 | $9K | 10.15% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 80 S 8TH ST #700 MINNEAPOLIS, MN 554022105 | UNITED HEALTHCARE INSURANCE COMPANY | $892 | $0 | $892 | 1.03% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 15.25% |
| ADP INC5 Filed as: AUTOMATIC DATA PROCESSING INC | PO BOX 842875 BOSTON, MA 02284 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 9.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 10.01% |
| SARAH MARIE RENA HALL3 | 1327 MEADOWLARK LN SUGAR LAND, TX 77478 | CONTINENTAL AMERICAN INSURANCE COMPANY | $162 | $0 | $162 | 0.43% |
| ERIC D WESTALL3 Filed as: ERIC DILLON WESTALL | 1207 TANGLE BRIAR DR SEABROOK, TX 77586 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | $0 | $48 | 0.13% |
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 | 973 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 980 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 125 | $584K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 642 | $87K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 973 | $356K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 430 | $164K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 574 | $201K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 973 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 973 | — |
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.