| 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 | HEALTH CARE SERVICE CORPORATION | $140K | $14K | $154K | 1.08% |
| PBIRX, INC.3 Filed as: PBIRX, INC | — | HEALTH CARE SERVICE CORPORATION | $31K | $0 | $31K | 0.22% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76102 | SUN LIFE ASSURANCE COMPANY OF CANADA | $34K | $58K | $91K | 8.13% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76102 | THE GUARDIAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.12% |
| SHERRY BRANDA4 | 29623 SKYMAC RANCH RD HEMPSTEAD, TX 774453922 | PRE-PAID LEGAL SERVICES DBA LEGAL SHIELD | $3K | $0 | $3K | 11.39% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76102 | PRE-PAID LEGAL SERVICES DBA LEGAL SHIELD | $2K | $0 | $2K | 9.40% |
| RHONA S UNSELL INC4 | STE 370-153 6525 GUNPARK DRIVE BOULDER, CO 803013346 | PRE-PAID LEGAL SERVICES DBA LEGAL SHIELD | $684 | $0 | $684 | 2.80% |
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 | 900 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 910 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 1,733 | $14.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 815 | $125K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 815 | $125K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 899 | $1.1M |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 899 | $1.1M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 899 | $1.1M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 899 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,733 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.