| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $84K | $84K | 3.10% |
| HIGHTOWER SECURITIES, LLC3 Filed as: HIGHTOWER SECURITIES LLC | 8303 EAGER ROAD SUITE 2500 ST. LOUIS, MO 63144 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $24K | $24K | 0.88% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | $0 | $14K | 7.40% |
| HIGHTOWER SECURITIES, LLC3 Filed as: HIGHTOWER SECURITIES LLC | 8303 EAGER ROAD STE 2500 ST LOUIS, MO 63144 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.47% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 7.50% |
| ADP INC5 Filed as: AUTOMATIC DATA PROCESSING INC | PO BOX 842875 BOSTON, MA 02284 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 5.22% |
| SCOTT ALLEN BISHOP3 | 800 TOWN AND COUNTRY BLVD STE 410 HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.50% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 7.50% |
| ADP INC5 Filed as: AUTOMATIC DATA PROCESSING INC | PO BOX 842875 BOSTON, MA 02284 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 5.48% |
| SCOTT ALLEN BISHOP3 | 800 TOWN AND COUNTRY BLVD STE 410 HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.50% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 7.50% |
| SCOTT ALLEN BISHOP3 | 800 TOWN AND COUNTRY BLVD STE 410 HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.50% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.50% |
| SCOTT ALLEN BISHOP3 | 800 TOWN AND COUNTRY BLVD STE 410 HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $388 | $0 | $388 | 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 | 437 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 437 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 416 | $2.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 306 | $191K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 306 | $191K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 431 | $111K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 431 | $88K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 190 | $91K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 431 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 431 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.