| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | HEALTH CARE SERVICE CORPORATION | $37K | $882 | $38K | 5.02% |
| BRIDGE CREEK SERVICES, LLC3 | — | HEALTH CARE SERVICE CORPORATION | $0 | $10K | $10K | 1.35% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 11.72% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 18.80% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 19.03% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $848 | $3K | 18.57% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $617 | $2K | 18.68% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $553 | $2K | 14.14% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $874 | $313 | $1K | 18.50% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $315 | $124 | $439 | 18.90% |
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 | 99 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 138 | $761K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 91 | $53K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 95 | $11K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $39K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 63 | $12K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 41 | $20K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.