| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGHPOINT INSURANCE GROUP, LLC3 Filed as: HIGHPOINT INSURANCE GROUP LLC | 1150 CLEAR LAKE CITY BLVD STE 201 HOUSTON, TX 77062 | HEALTH CARE SERVICE CORPORATION | $66K | $0 | $66K | 3.75% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | HEALTH CARE SERVICE CORPORATION | $20K | $0 | $20K | 1.14% |
| HIGHPOINT INSURANCE GROUP, LLC3 Filed as: HIGHPOINT INSURANCE GROUP LLC | 1150 CLEAR LAKE CITY BLVD STE 201 HOUSTON, TX 77062 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | $0 | $22K | 10.71% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 1.94% |
| RONDA W COOK3 | 3914 MAJESTIC TRL HOUSTON, TX 77059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 20.92% |
| MELISSA LYNNETTE FORSTER3 Filed as: MELISSA L FORSTER | 43 STEEP TRAIL PL CONROE, TX 77385 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 5.98% |
| DEBRA L SCHMIDT3 | 7207 SANDY ISLE LANE SPRING, TX 77369 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.41% |
| HIGHPOINT INSURANCE GROUP, LLC3 Filed as: HIGHPOINT INSURANCE GROUP LLC | 1150 CLEAR LAKE CITY BLVD STE 201 HOUSTON, TX 77062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $522 | $0 | $522 | 1.58% |
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 | 235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 289 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $204K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $204K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $204K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $204K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $204K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $237K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.