| 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 | $19K | $0 | $19K | 4.99% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $31K | $13K | $44K | 14.00% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING INC. | PO BOX 842875 BOSTON, MA 02284 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $28K | $28K | 9.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $11K | $31K | 15.17% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING INC. | PO BOX 842875 BOSTON, MA 02284 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $19K | $19K | 9.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $9K | $27K | 14.75% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING INC. | PO BOX 842875 BOSTON, MA 02284 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $17K | $17K | 9.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $0 | $13K | 13.31% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 11.47% |
| SARAH MARIE RENA HALL3 | 1327 MEADOWLARK LN SUGAR LAND, TX 77478 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 3.94% |
| ERIC D WESTALL3 Filed as: ERIC DILLON WESTALL | 1207 TANGLE BRIAR SEABROOK, TX 77586 | CONTINENTAL AMERICAN INSURANCE COMPANY | $729 | $0 | $729 | 0.83% |
| ROBERT PILKENTON3 | 1039 LOUISE ST. HOUSTON, TX 77009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $197 | $0 | $197 | 0.22% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 14.89% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING INC. | PO BOX 842875 BOSTON, MA 02284 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 9.00% |
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 | 861 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 867 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 55 | $383K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 2,183 | $101K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 861 | $374K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 406 | $186K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 401 | $207K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 861 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,183 | — |
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.