| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSUARNCE AGENCY | 11700 KATY FREEWAY HOUSTON, TX 77079 | AETNA LIFE INSURANCE CO | $8K | — | $8K | 0.83% |
| THE HORTON GROUP3 Filed as: HORTON BENEFITS COMPANY LLC | 291 HERTIAGE WALK WOODSTOCK, GA 30188 | AETNA LIFE INSURANCE CO | $645 | — | $645 | 0.07% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSUARNCE AGENCY | 1826 NORTH LOOP 1604 W SUITE 375 SAN ANTONIO, TX 78248 | GUARDIAN | $14K | $2K | $16K | 14.85% |
| THE HORTON GROUP3 Filed as: HORTON BENEFITS COMPANY LLC | 9194 MAIN STREET UNIT 2B WOODSTOCK, GA 30188 | GUARDIAN | $3K | — | $3K | 2.61% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 161 | $1.0M |
| Dental | AETNA LIFE INSURANCE CO | 161 | $917K |
| Vision | AETNA LIFE INSURANCE CO | 161 | $917K |
| Life insurance | GUARDIAN | 129 | $107K |
| Short-term disability | GUARDIAN | 129 | $107K |
| Long-term disability | GUARDIAN | 129 | $107K |
| Other | GUARDIAN | 129 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.