| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 WEST 13TH STREET, SUITE 250 FORT WORTH, TX 76102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $69K | $69K | 1.88% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $35K | $35K | 0.96% |
| HIGHTOWER SECURITIES, LLC3 | 8303 EAGER ROAD, SUITE 2500 ST. LOUIS, MO 63144 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $23K | $23K | 0.63% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 WEST 13TH STREET FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $13K | $32K | 9.01% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 2.70% |
| SCOTT ALLEN BISHOP3 | 9135 BRIAR FOREST DRIVE HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 1.82% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 WEST 13TH STREET, SUITE 250 FORT WORTH, TX 76102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $13K | $0 | $13K | 5.38% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | $0 | $7K | 2.69% |
| HIGHTOWER SECURITIES, LLC3 | 8303 EAGER ROAD, SUITE 2500 ST. LOUIS, MO 63144 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | $0 | $4K | 1.80% |
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 | 600 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 600 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 579 | $3.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 412 | $249K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 412 | $249K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 600 | $360K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 600 | $360K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 600 | $360K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 579 | $3.7M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 600 | $360K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 600 | — |
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.