| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | 500 W 13TH ST FORT WORTH, TX 76102 | BLUECROSS BLUESHIELD OF TEXAS | $20K | $3K | $23K | 2.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, SUITE 2400 HOUSTON, TX 77042 | BLUECROSS BLUESHIELD OF TEXAS | $16K | $0 | $16K | 1.60% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | 500 W 13TH ST FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $39K | $19K | $57K | 13.71% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, SUITE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $0 | $19K | 4.43% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INS AGENCY | UKNOWN UKNOWN, TX 00000 | COMBINED INSURANCE | $70K | $0 | $70K | 48.03% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY LLC | UKNOWN UKNOWN, TX 00000 | COMBINED INSURANCE | $46K | $0 | $46K | 31.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | UKNOWN UKNOWN, TX 00000 | COMBINED INSURANCE | $557 | $0 | $557 | 0.38% |
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 | 631 | 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) | 631 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 144 | $986K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 631 | $419K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 631 | $419K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 631 | $419K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 631 | $419K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 631 | $419K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 631 | $565K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 631 | — |
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.
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.