| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MADISON BENEFITS GROUP INC3 | 5151 SAN FELIPE STREET, 17TH FLOOR HOUSTON, TX 77056 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $44K | $48K | 3.45% |
| SCOTT ALLON BISHOP3 | 3355 WEST ALABAMA STREET, SUITE 240 HOUSTON, TX 77098 | UNITED HEALTHCARE INSURANCE COMPANY | — | $15K | $15K | 1.08% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 117700 KATY FREEWAY, SUITE 1100 HOUSTON, TX 77079 | UNITED HEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 0.17% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM (BENEFITSPECIALISTS) | PO BOX 908 FORT WORTH, TX 76101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $353 | $10K | 9.28% |
| SCOTT ALLEN BISHOP3 Filed as: SCOTT A. BISHOP | 3355 WEST ALABAMA STREET SUITE 240 HOUSTON, TX 77098 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.03% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM (BENEFITSPECIALISTS) | PO BOX 908 FORT WORTH, TX 76101 | HM LIFE INSURANCE COMPANY | $991 | — | $991 | 7.50% |
| SCOTT ALLEN BISHOP3 | 800 TOWN AND COUNTRY, SUITE 410 HOUSTON, TX 77024 | HM LIFE INSURANCE COMPANY | $330 | — | $330 | 2.50% |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 367 | $1.4M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 367 | $1.4M |
| Vision | HM LIFE INSURANCE COMPANY | 129 | $13K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 191 | $113K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 191 | $113K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 191 | $113K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 367 | $1.4M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 191 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.