| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SRVS WEST | — | HEALTH CARE SERVICE CORPORATION | $45K | $0 | $45K | 1.23% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | HEALTH CARE SERVICE CORPORATION | $37K | $0 | $37K | 1.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS, INC. | — | HEALTH CARE SERVICE CORPORATION | $18K | $14K | $32K | 0.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC ADDISON | 500 N AKARD ST #4300 DALLAS, TX 75201 | DEARBORN LIFE INSURANCE COMPANY | $18K | $0 | $18K | 6.18% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | DEARBORN LIFE INSURANCE COMPANY | $13K | $0 | $13K | 4.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SRVS WEST | PO BOX 731739 DALLAS, TX 75373 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $31 | $8K | 4.88% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $12 | $4K | 2.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC | PO BOX 731739 DALLAS, TX 75373 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $192 | $1K | 0.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SRVS WEST | PO BOX 101162 PASADENA, CA 91189 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $940 | $940 | 0.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SRVS WEST | PO BOX 731739 DALLAS, TX 75373 | SURENCY LIFE AND HEALTH | $2K | $0 | $2K | 6.69% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | SURENCY LIFE AND HEALTH | $1K | $0 | $1K | 3.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SRVS WEST | PO BOX 731739 DALLAS, TX 75373 | SAFEGUARD HEALTH PLANS INC | $1K | $0 | $1K | 4.96% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | SAFEGUARD HEALTH PLANS INC | $538 | $0 | $538 | 2.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC | PO BOX 731739 DALLAS, TX 75373 | SAFEGUARD HEALTH PLANS INC | $174 | $22 | $196 | 0.93% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SRVS WEST | PO BOX 101162 PASADENA, CA 91189 | SAFEGUARD HEALTH PLANS INC | $0 | $131 | $131 | 0.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC | 15305 NORTH DALLAS PKWY #1100 ADDISON, TX 75001 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 9.51% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $603 | $0 | $603 | 5.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SRVS WEST | PO BOX 731739 DALLAS, TX 753731739 | SAFEGUARD HEALTH PLANS INC | $509 | $0 | $509 | 5.04% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | SAFEGUARD HEALTH PLANS INC | $243 | $0 | $243 | 2.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC | PO BOX 731739 DALLAS, TX 753731739 | SAFEGUARD HEALTH PLANS INC | $94 | $12 | $106 | 1.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SRVS WEST | PO BOX 101162 PASADENA, CA 911890005 | SAFEGUARD HEALTH PLANS INC | $0 | $64 | $64 | 0.63% |
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 | 427 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 427 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 526 | $3.6M |
| Dental(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 486 | $186K |
| Vision(2 contracts) | SURENCY LIFE AND HEALTH | 306 | $35K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 427 | $287K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 427 | $287K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 427 | $287K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 427 | $298K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 526 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.