| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 6101 SOUTH BROADWAY AVENUE SUITE 430 TYLER, TX 75703 | BLUECROSS BLUESHIELD OF TEXAS | $81K | $1K | $82K | 4.16% |
| PARSONS BENEFITS GROUP LLC3 | 5603 PALLADIO LANE LONGVIEW, TX 75605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $11K | $22K | 18.07% |
| CONSTANZA BEATRIZ FORBES3 | 373 FM 1903 GREENVILLE, TX 75402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $2K | $6K | 5.41% |
| DEYSI LUCERO BENITEZ3 | 2840-A BILL OWENS PARKWAY LONGVIEW, TX 75605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $508 | $2K | 2.02% |
| CHERRY G MARTIN INS AGENCY INC3 Filed as: CHERRY G MARTIN INSURANCE AGENCY | CO RYAN LUNA WACO, TX 76712 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $406 | — | $406 | 0.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ANTHONY E BROWN | 4202 BRIDLE PATH MARSHALL, TX 75672 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.02% |
| CAROL M PASTERNAK-RIFFE3 Filed as: CAROL M PASTERNAK | 247 GRAHAM DRIVE FORNEY, TX 75126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.02% |
| GARY W PRICE3 | 11899 COUNTY ROAD 140 FLINT, TX 75762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| MPART BENEFITS INC3 | 100 ALBRIGHT LANE PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 6101 SOUTH BROADWAY AVENUE SUITE 430 TYLER, TX 75703 | DEARBORN LIFE INSURANCE COMPANY | $8K | $4K | $12K | 12.92% |
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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 398 | $2.0M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 398 | $2.0M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 221 | $94K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 221 | $213K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 221 | $94K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 221 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.