| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PBIRX, INC.3 | 612 WHEELERS FARMS ROAD SUITE 1 MILFORD, CT 06461 | BLUECROSS BLUESHIELD OF TEXAS | $16K | $0 | $16K | 0.37% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 W 13TH ST. FORT WORTH, TX 76102 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $4K | $4K | 0.09% |
| CARLOS D ESPINOSA3 | 1164 ROBERT MALLET RD AMAUDVILLE, LA 70512 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59K | $0 | $59K | 13.20% |
| RACHEL THERIOT CURRY3 | 109 WINGED FOOT DR BROUSSARD, LA 70518 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39K | $0 | $39K | 8.81% |
| JEANNE LANDRY3 | 1113 BAYOU TRCE BREAUX BRIDGE, LA 70517 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21K | $0 | $21K | 4.67% |
| GUSTAVO DANIEL GEVARA3 | 25306 SANDY TRACE LN KATY, TX 77494 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | $0 | $12K | 2.64% |
| FORTH INSURANCE, LLC3 | 2200 TOWER DRIVE MONROE, LA 71201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 1.88% |
| KEITH WILLIAM BELLE3 | 105 GENNA LN YOUNGSVILLE, LA 70592 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 1.85% |
| MIA M FONTENOT3 | 2924 LINWOOD LOOP OPELOUSAS, LA 70570 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 1.31% |
| COURTNEY TREESE3 | 171 HOOPER RD PINEVILLE, LA 71360 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 0.87% |
| LEILANI THERIOT3 | 1017 SOLOMON STREET BREAUX BRIDGE, LA 70517 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 0.74% |
| KEITH WILLIAM BELLE3 | 105 GENNA LN YOUNGSVILLE, LA 70592 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 0.64% |
| KEITH RICHARD3 | 814 IRA ST CARENCRO, LA 70520 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.51% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | 500 W 13TH ST FORT WORTH, TX 76102 | BLUECROSS BLUESHIELD OF TEXAS | $33K | $4K | $37K | 11.21% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | 500 W 13TH ST FORT WORTH, TX 76102 | VISION SERVICE PLAN | $12K | $0 | $12K | 10.02% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD, STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $1 | $0 | $1 | 0.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 11700 KATY FREEWAY SUITE 1100 HOUSTON, TX 77079 | DEARBORN LIFE INSURANCE COMPANY | $4K | $755 | $5K | 11.94% |
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 | 1,648 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,649 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 797 | $328K |
| Vision | VISION SERVICE PLAN | 378 | $115K |
| Life insurance(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,501 | $485K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 340 | $446K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 817 | $4.2M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,501 | $485K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,501 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.