| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | HEALTH CARE SERVICE CORPORATION | $77K | $2K | $80K | 3.47% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | DEARBORN LIFE INSURANCE COMPANY | $30K | $0 | $30K | 14.34% |
| ROGER GARZA3 Filed as: ROGER GARZA JR | 2500 WILCREST DR #321 HOUSTON, TX 77042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 11.37% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.51% |
| LANCE J MILLER3 | 17133 KNOLL DALE TRAIL CONROE, TX 77385 | CONTINENTAL AMERICAN INSURANCE COMPANY | $872 | $0 | $872 | 2.70% |
| RONDA W COOK3 | 3914 MAJESTIC TRL HOUSTON, TX 77059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $821 | $0 | $821 | 2.54% |
| HIGHPOINT INSURANCE GROUP, LLC3 Filed as: HIGHPOINT INSURANCE GROUP INC | 1150 CLEAR LAKE CITY BLVD #201 HOUSTON, TX 77062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $438 | $0 | $438 | 1.35% |
| MELISSA LYNNETTE FORSTER3 Filed as: MELISSA L FORSTER | 43 STEEP TRAIL PL CONROE, TX 77385 | CONTINENTAL AMERICAN INSURANCE COMPANY | $267 | $0 | $267 | 0.83% |
| DEBRA L SCHMIDT3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $149 | $0 | $149 | 0.46% |
| MARTY JOE TURNER3 | 4289 BAYWOOD DRIVE CATAULA, GA 31804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $95 | $0 | $95 | 0.29% |
| KIM REED SMITH3 Filed as: KIM R SMITH | 7815 DEERWOOD LAKE DRIVE HUMBLE, TX 77346 | CONTINENTAL AMERICAN INSURANCE COMPANY | $64 | $0 | $64 | 0.20% |
| CHRISTOPHER LEE INSURANCE AGENCY3 | 6918 GOODSTRUM WAY KATY, TX 77493 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | $0 | $6 | 0.02% |
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 | 244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 372 | $2.3M |
| Dental | HEALTH CARE SERVICE CORPORATION | 372 | $2.3M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 82 | $211K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 82 | $211K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 82 | $211K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 82 | $211K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 211 | $243K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.