| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | HEALTH CARE SERVICE CORPORATION | $64K | $0 | $64K | 3.78% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | $620 | $25K | 12.99% |
| RONDA W COOK3 | 3914 MAJESTIC TRL HOUSTON, TX 77059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 10.60% |
| ROGER GARZA3 Filed as: ROGER GARZA JR | 2500 WILCREST DR STE 321 HOUSTON, TX 77042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 9.98% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 5.32% |
| HIGHPOINT INSURANCE GROUP, LLC3 Filed as: HIGHPOINT INS GROUP INC | 1150 CLEAR LAKE CITY BLVD #201 HOUSTON, TX 77062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $850 | $0 | $850 | 3.84% |
| MELISSA LYNNETTE FORSTER3 Filed as: MELISSA L FORSTER | 43 STEEP TRAIL PL CONROE, TX 77385 | CONTINENTAL AMERICAN INSURANCE COMPANY | $684 | $0 | $684 | 3.09% |
| LANCE J MILLER3 | 17133 KNOLL DALE TRAIL CONROE, TX 77385 | CONTINENTAL AMERICAN INSURANCE COMPANY | $584 | $0 | $584 | 2.64% |
| DEBRA L SCHMIDT3 | 7207 SANDY ISLE LN SPRING, TX 77389 | CONTINENTAL AMERICAN INSURANCE COMPANY | $395 | $0 | $395 | 1.78% |
| KIM REED SMITH3 Filed as: KIM R SMITH | 7815 DEERWOOD LAKE DR HUMBLE, TX 77346 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | $0 | $47 | 0.21% |
| MARTY JOE TURNER3 | 4289 BAYWOOD DR CATAULA, GA 31804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | $0 | $27 | 0.12% |
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 | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 308 | $1.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $196K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $196K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $196K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $196K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $196K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.