| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | HEALTH CARE SERVICE CORPORATION | $101K | $3K | $104K | 3.04% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $1K | $21K | 16.08% |
| THOMAS J SNYDER3 | 9385 MILLER LANE SAN ANTONIO, TX 78266 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 3.44% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $1K | $25K | 21.13% |
| THOMAS J SNYDER3 | 9385 MILLER LANE SAN ANTONIO, TX 78266 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 3.28% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $362 | $4K | 11.15% |
| THOMAS J SNYDER3 | 9385 MILLER LANE SAN ANTONIO, TX 78266 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.01% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNUM LIFE INSURANCE COMPANY | $3K | $174 | $3K | 10.62% |
| THOMAS J SNYDER3 | 1259 TEXAS LOOP STE 102 NEW BRAUNFELS, TX 78130 | UNUM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.05% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNUM LIFE INSURANCE COMPANY | $2K | $143 | $2K | 11.67% |
| THOMAS J SNYDER3 | 1259 TEXAS LOOP 337 STE 102 NEW BRAUNFELS, TX 78130 | UNUM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.94% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNUM LIFE INSURANCE COMPANY | $2K | $123 | $2K | 11.65% |
| THOMAS J SNYDER3 | 1259 TEXAS LOOP 337 STE 102 NEW BRAUNFELS, TX 78130 | UNUM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.90% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $116 | $116 | 1.15% |
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 | 455 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 461 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 522 | $3.4M |
| Dental | HEALTH CARE SERVICE CORPORATION | 522 | $3.4M |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 257 | $32K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 283 | $130K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 124 | $131K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 124 | $131K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 283 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 522 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.